U. F. C. W. Local #72 Credit Union

U. F. C. W. Local #72 Credit Union is headquartered in Wyoming and is the 155^th largest credit union in the state of Pennsylvania. It is also the 3,020^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 3 employees and 1,847 members. U. F. C. W. Local #72 Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics U. F. C. W. LOCAL #72 NCUA # 12333 BankRate Report View Year Chartered 1958 Employees 3 Primary Regulator Assets and Liabilities Assets $28.44 million Loans $5.10 million Deposits $25.83 million Equity Capital $2.62 million Loan Loss Allowance $19,000 Unbacked Noncurrent Loans $1,000 Historic Data - December 2010 Assets $27.25 million Equity Capital $2.58 million Loan Loss Allowance $19,000 Unbacked Noncurrent Loans $4,000 Profit Margin - Quarterly Net Interest Margin 4.45% Return on Assets 0.12% Return on Equity 1.26% Interest Income $610,000 Non-Interest Income $82,000

Institution Health Overall Score: 5 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 #72 Credit Union had $1,000 in non-current loans and owned real-estate with $2.64 million in equity and loan loss allowances on hand to cover it. This gives U. F. C. W. Local #72 Credit Union a Texas Ratio of 0.04% which is excellent. 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 #72 Credit Union decreased significantly from 0.15% as of December 31, 2010 to 0.04% as of December 31, 2011, resulting in a positive change of 75.36%.This indicates that the balance sheet and financial strength for U. F. C. W. Local #72 Credit Union has improved significantly in recent periods. Deposit Growth In the past year, U. F. C. W. Local #72 Credit Union has increased its total deposits by $1.16 million, resulting in 4.71% 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 #72 Credit Union has shown is above 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 #72 Credit Union has $28.44 million in assets with $2.64 million in equity, resulting in a capitalization level of 9.27%, which is average.

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