U Of P Credit Union

U Of P Credit Union is headquartered in PHILA and is the 187^th largest credit union in the state of Pennsylvania. It is also the 3,449^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 5 employees and 5,004 members. U Of P Credit Union has a 5-star health rating.

U Of P Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics U OF P NCUA # 11803 BankRate Report View Year Chartered 1957 Employees 5 Primary Regulator Assets and Liabilities Assets $21.50 million Loans $5.70 million Deposits $18.73 million Equity Capital $2.71 million Loan Loss Allowance $43,000 Unbacked Noncurrent Loans $23,000 Historic Data - December 2010 Assets $20.44 million Equity Capital $2.69 million Loan Loss Allowance $58,000 Unbacked Noncurrent Loans $6,000 Profit Margin - Quarterly Net Interest Margin 8.74% Return on Assets 0.09% Return on Equity 0.7% Interest Income $712,000 Non-Interest Income $229,000

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 Of P Credit Union had $23,000 in non-current loans and owned real-estate with $2.75 million in equity and loan loss allowances on hand to cover it. This gives U Of P Credit Union a Texas Ratio of 0.84% 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 Of P Credit Union held steady from 0.22% as of December 31, 2010 to 0.84% as of December 31, 2011, resulting in a negative change of 282.64%. This indicates that the balance sheet and financial strength for U Of P Credit Union has held steady in recent periods. Deposit Growth In the past year, U Of P Credit Union has increased its total deposits by $1.03 million, resulting in 5.84% 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 Of P Credit Union has shown is excellent. 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 Of P Credit Union has $21.5 million in assets with $2.75 million in equity, resulting in a capitalization level of 12.80%, which is excellent.

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