U F C W Local 1776 Credit Union

U F C W Local 1776 Credit Union is headquartered in PLYMOUTH MEETIN and is the 329^th largest credit union in the state of Pennsylvania. It is also the 5,226^th largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 3 employees and 4,956 members. U F C W Local 1776 Credit Union has a 2-star health rating.

U F C W Local 1776 Credit Union Money Market Rates

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Data for Q4 2011

Institution Statistics U F C W LOCAL 1776 NCUA # 15652 BankRate Report View Year Chartered 1963 Employees 3 Primary Regulator Assets and Liabilities Assets $6.49 million Loans $4.78 million Deposits $6.07 million Equity Capital $405,000 Loan Loss Allowance $58,000 Unbacked Noncurrent Loans $156,000 Historic Data - December 2010 Assets $6.75 million Equity Capital $460,000 Loan Loss Allowance $107,000 Unbacked Noncurrent Loans $143,000 Profit Margin - Quarterly Net Interest Margin 7.34% Return on Assets -0.91% Return on Equity -14.57% Interest Income $366,000 Non-Interest Income $116,000

Institution Health Overall Score: 2 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 U F C W Local 1776 Credit Union had $156,000 in non-current loans and owned real-estate with $463,000 in equity and loan loss allowances on hand to cover it. This gives U F C W Local 1776 Credit Union a Texas Ratio of 33.69% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for U F C W Local 1776 Credit Union increased slightly from 25.22% as of December 31, 2010 to 33.69% as of December 31, 2011, resulting in a negative change of 33.60%. This indicates that the balance sheet and financial strength for U F C W Local 1776 Credit Union has declined slightly in recent periods. Deposit Growth In the past year, U F C W Local 1776 Credit Union has decreased its total deposits by $-218,000, resulting in -3.47% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth U F C W Local 1776 Credit Union has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. U F C W Local 1776 Credit Union has $6.49 million in assets with $463,000 in equity, resulting in a capitalization level of 7.14%, which is below average.

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