Westmoreland Federal Employee Credit Union

Westmoreland Federal Employee Credit Union is headquartered in Greensburg and is the 294^th largest credit union in the state of Pennsylvania. It is also the 4,891^st largest credit union in the nation. It was established in 1942 and as of December of 2011, it had grown to 3 employees and 1,230 members. Westmoreland Federal Employee Credit Union has a 4-star health rating.

Westmoreland Federal Employee Credit Union Checking Account Rates

Westmoreland Federal Employee Credit Union Savings Account Rates

Westmoreland Federal Employee Credit Union CD Rates

Westmoreland Federal Employee Credit Union IRA Rates

Data for Q4 2011

Institution Statistics WESTMORELAND FEDERAL EMPLOYEE NCUA # 4806 BankRate Report View Year Chartered 1942 Employees 3 Primary Regulator Assets and Liabilities Assets $8.21 million Loans $3.14 million Deposits $4.56 million Equity Capital $3.64 million Loan Loss Allowance $94,000 Unbacked Noncurrent Loans $342,000 Historic Data - December 2010 Assets $8.18 million Equity Capital $3.79 million Loan Loss Allowance $53,000 Unbacked Noncurrent Loans $119,000 Profit Margin - Quarterly Net Interest Margin 7.24% Return on Assets -1.75% Return on Equity -3.95% Interest Income $258,000 Non-Interest Income ($13,000)

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 Westmoreland Federal Employee Credit Union had $342,000 in non-current loans and owned real-estate with $3.74 million in equity and loan loss allowances on hand to cover it. This gives Westmoreland Federal Employee Credit Union a Texas Ratio of 9.15% 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 Westmoreland Federal Employee Credit Union increased slightly from 3.10% as of December 31, 2010 to 9.15% as of December 31, 2011, resulting in a negative change of 195.39%. This indicates that the balance sheet and financial strength for Westmoreland Federal Employee Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Westmoreland Federal Employee Credit Union has increased its total deposits by $181,000, resulting in 4.13% 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 Westmoreland Federal Employee 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. Westmoreland Federal Employee Credit Union has $8.21 million in assets with $3.74 million in equity, resulting in a capitalization level of 45.50%, which is excellent.

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