Upper Darby Belltelco Credit Union

Upper Darby Belltelco Credit Union is headquartered in UPPER DARBY and is the 92^nd largest credit union in the state of Pennsylvania. It is also the 2,062^nd largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 8 employees and 4,209 members. Upper Darby Belltelco Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics UPPER DARBY BELLTELCO NCUA # 3819 BankRate Report View Year Chartered 1940 Employees 8 Primary Regulator Assets and Liabilities Assets $57.53 million Loans $27.83 million Deposits $50.49 million Equity Capital $7.02 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $1.65 million Real Estate Owned $313,000 Historic Data - December 2010 Assets $61.19 million Equity Capital $6.70 million Loan Loss Allowance $1.11 million Unbacked Noncurrent Loans $1.99 million Profit Margin - Quarterly Net Interest Margin 6.59% Return on Assets 0.56% Return on Equity 4.59% Interest Income $2.82 million Non-Interest Income $101,000

Institution Health Overall Score: 3 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 Upper Darby Belltelco Credit Union had $1.96 million in non-current loans and owned real-estate with $8.24 million in equity and loan loss allowances on hand to cover it. This gives Upper Darby Belltelco Credit Union a Texas Ratio of 23.81% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Upper Darby Belltelco Credit Union held steady from 25.47% as of December 31, 2010 to 23.81% as of December 31, 2011, resulting in a positive change of 6.52%.This indicates that the balance sheet and financial strength for Upper Darby Belltelco Credit Union has held steady in recent periods. Deposit Growth In the past year, Upper Darby Belltelco Credit Union has decreased its total deposits by -$3.98 million, resulting in -7.31% 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 Upper Darby Belltelco Credit Union has shown is poor. 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. Upper Darby Belltelco Credit Union has $57.53 million in assets with $8.24 million in equity, resulting in a capitalization level of 14.32%, which is excellent.

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