Utilities Employees Credit Union

Utilities Employees Credit Union is headquartered in Reading and is the 7^th largest credit union in the state of Pennsylvania. It is also the 184^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 84 employees and 45,131 members. Utilities Employees Credit Union's savings rates are 12X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics UTILITIES EMPLOYEES NCUA # 64896 BankRate Report View Year Chartered 1934 Employees 84 Primary Regulator Assets and Liabilities Assets $989.28 million Loans $232.26 million Deposits $844.32 million Equity Capital $134.91 million Loan Loss Allowance $1.93 million Unbacked Noncurrent Loans $975,000 Real Estate Owned $346,000 Historic Data - December 2010 Assets $925.05 million Equity Capital $132.36 million Loan Loss Allowance $1.91 million Unbacked Noncurrent Loans $1.21 million Profit Margin - Quarterly Net Interest Margin 4.28% Return on Assets 0.81% Return on Equity 5.96% Interest Income $36.35 million Non-Interest Income $1.08 million

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 Utilities Employees Credit Union had $1.32 million in non-current loans and owned real-estate with $136.84 million in equity and loan loss allowances on hand to cover it. This gives Utilities Employees Credit Union a Texas Ratio of 0.97% 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 Utilities Employees Credit Union held steady from 0.90% as of December 31, 2010 to 0.97% as of December 31, 2011, resulting in a negative change of 6.77%. This indicates that the balance sheet and financial strength for Utilities Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Utilities Employees Credit Union has increased its total deposits by $82.81 million, resulting in 10.87% 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 Utilities Employees 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. Utilities Employees Credit Union has $989.28 million in assets with $136.84 million in equity, resulting in a capitalization level of 13.83%, which is excellent.

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