Viriva Community Credit Union

Viriva Community Credit Union is headquartered in WARMINSTER and is the 75^th largest credit union in the state of Pennsylvania. It is also the 1,844^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 24 employees and 10,417 members. Viriva Community Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics VIRIVA COMMUNITY NCUA # 68564 BankRate Report View Year Chartered 1936 Employees 24 Primary Regulator Assets and Liabilities Assets $68.29 million Loans $31.15 million Deposits $59.70 million Equity Capital $7.43 million Loan Loss Allowance $574,000 Unbacked Noncurrent Loans $1.08 million Real Estate Owned $72,000 Historic Data - December 2010 Assets $64.93 million Equity Capital $7.09 million Loan Loss Allowance $321,000 Unbacked Noncurrent Loans $721,000 Profit Margin - Quarterly Net Interest Margin 5.97% Return on Assets 0.13% Return on Equity 1.2% Interest Income $2.66 million Non-Interest Income $1.18 million

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 Viriva Community Credit Union had $1.15 million in non-current loans and owned real-estate with $8 million in equity and loan loss allowances on hand to cover it. This gives Viriva Community Credit Union a Texas Ratio of 14.35% 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 Viriva Community Credit Union held steady from 9.73% as of December 31, 2010 to 14.35% as of December 31, 2011, resulting in a negative change of 47.38%. This indicates that the balance sheet and financial strength for Viriva Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Viriva Community Credit Union has increased its total deposits by $2.86 million, resulting in 5.04% 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 Viriva Community 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. Viriva Community Credit Union has $68.29 million in assets with $8 million in equity, resulting in a capitalization level of 11.72%, which is above average.

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