West-Aircomm Credit Union

West-Aircomm Credit Union is headquartered in Beaver and is the 29^th largest credit union in the state of Pennsylvania. It is also the 928^th largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 42 employees and 19,926 members. West-Aircomm Credit Union's money market rates are 59% higher than the national average, and it boasts a 5-star health rating.

West-Aircomm Credit Union Savings Account Rates

West-Aircomm Credit Union Money Market Rates

West-Aircomm Credit Union CD Rates

West-Aircomm Credit Union IRA Rates

Data for Q4 2011

Institution Statistics WEST-AIRCOMM NCUA # 6233 BankRate Report View Year Chartered 1949 Employees 42 Primary Regulator Assets and Liabilities Assets $178.79 million Loans $88.11 million Deposits $162.24 million Equity Capital $15.57 million Loan Loss Allowance $489,000 Unbacked Noncurrent Loans $304,000 Historic Data - December 2010 Assets $168.51 million Equity Capital $15.31 million Loan Loss Allowance $531,000 Unbacked Noncurrent Loans $374,000 Real Estate Owned $95,000 Profit Margin - Quarterly Net Interest Margin 5.39% Return on Assets 0.26% Return on Equity 2.98% Interest Income $6.72 million Non-Interest Income $1.34 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 West-Aircomm Credit Union had $304,000 in non-current loans and owned real-estate with $16.06 million in equity and loan loss allowances on hand to cover it. This gives West-Aircomm Credit Union a Texas Ratio of 1.89% 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-Aircomm Credit Union decreased slightly from 2.96% as of December 31, 2010 to 1.89% as of December 31, 2011, resulting in a positive change of 36.07%.This indicates that the balance sheet and financial strength for West-Aircomm Credit Union has improved slightly in recent periods. Deposit Growth In the past year, West-Aircomm Credit Union has increased its total deposits by $9.76 million, resulting in 6.4% 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-Aircomm 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. West-Aircomm Credit Union has $178.79 million in assets with $16.06 million in equity, resulting in a capitalization level of 8.98%, which is average.

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