West Penn P&P Credit Union

West Penn P&P Credit Union is headquartered in BEAVER and is the 230^th largest credit union in the state of Pennsylvania. It is also the 4,134^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 3 employees and 1,555 members. West Penn P&P Credit Union's money market rates are 70% higher than the national average, and it boasts a 5-star health rating.

West Penn P&P Credit Union Checking Account Rates

West Penn P&P Credit Union Savings Account Rates

West Penn P&P Credit Union Money Market Rates

Data for Q4 2011

Institution Statistics WEST PENN P&P NCUA # 9476 BankRate Report View Year Chartered 1954 Employees 3 Primary Regulator Assets and Liabilities Assets $13.67 million Loans $5.04 million Deposits $11.62 million Equity Capital $1.98 million Loan Loss Allowance $85,000 Unbacked Noncurrent Loans $116,000 Real Estate Owned $33,000 Historic Data - December 2010 Assets $13.21 million Equity Capital $2.00 million Loan Loss Allowance $40,000 Unbacked Noncurrent Loans $145,000 Real Estate Owned $32,000 Profit Margin - Quarterly Net Interest Margin 5.81% Return on Assets -0.13% Return on Equity -0.91% Interest Income $427,000 Non-Interest Income $58,000

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 West Penn P&P Credit Union had $149,000 in non-current loans and owned real-estate with $2.07 million in equity and loan loss allowances on hand to cover it. This gives West Penn P&P Credit Union a Texas Ratio of 7.21% 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 West Penn P&P Credit Union decreased slightly from 8.68% as of December 31, 2010 to 7.21% as of December 31, 2011, resulting in a positive change of 16.96%.This indicates that the balance sheet and financial strength for West Penn P&P Credit Union has improved slightly in recent periods. Deposit Growth In the past year, West Penn P&P Credit Union has increased its total deposits by $473,000, resulting in 4.24% 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 West Penn P&P Credit Union has shown is above 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. West Penn P&P Credit Union has $13.67 million in assets with $2.07 million in equity, resulting in a capitalization level of 15.11%, which is excellent.

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