Valley 1St Community Credit Union

Valley 1St Community Credit Union is headquartered in MONESSEN and is the 69^th largest credit union in the state of Pennsylvania. It is also the 1,718^st largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 17 employees and 10,896 members. Valley 1St Community Credit Union's savings rates are 56% higher than the national average, and it has a 4-star health rating.

Valley 1St Community Credit Union Checking Account Rates

Valley 1St Community Credit Union Savings Account Rates

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Data for Q4 2011

Institution Statistics VALLEY 1ST COMMUNITY NCUA # 649 BankRate Report View Year Chartered 1935 Employees 17 Primary Regulator Assets and Liabilities Assets $76.06 million Loans $30.86 million Deposits $59.91 million Equity Capital $16.08 million Loan Loss Allowance $460,000 Unbacked Noncurrent Loans $1.61 million Real Estate Owned $191,000 Historic Data - December 2010 Assets $77.22 million Equity Capital $15.65 million Loan Loss Allowance $497,000 Unbacked Noncurrent Loans $1.69 million Real Estate Owned $20,000 Profit Margin - Quarterly Net Interest Margin 5.22% Return on Assets 0.56% Return on Equity 2.64% Interest Income $2.85 million Non-Interest Income $276,000

Institution Health Overall Score: 4 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 Valley 1St Community Credit Union had $1.8 million in non-current loans and owned real-estate with $16.54 million in equity and loan loss allowances on hand to cover it. This gives Valley 1St Community Credit Union a Texas Ratio of 10.91% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Valley 1St Community Credit Union held steady from 10.59% as of December 31, 2010 to 10.91% as of December 31, 2011, resulting in a negative change of 3.02%. This indicates that the balance sheet and financial strength for Valley 1St Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Valley 1St Community Credit Union has decreased its total deposits by -$1.56 million, resulting in -2.54% 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 Valley 1St Community 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. Valley 1St Community Credit Union has $76.06 million in assets with $16.54 million in equity, resulting in a capitalization level of 21.75%, which is excellent.

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