Central Electric Credit Union

Central Electric Credit Union is headquartered in Jefferson City and is the 118^st largest credit union in the state of Missouri. It is also the 6,444^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 1 employees and 451 members. Central Electric Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Central Electric Credit Union Routing Number: 286580797

Central Electric Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics CENTRAL ELECTRIC NCUA # 64533 BankRate Report View Year Chartered 1956 Employees 1 Primary Regulator Assets and Liabilities Assets $1.68 million Loans $1.33 million Deposits $1.52 million Equity Capital $158,000 Historic Data - December 2010 Assets $1.50 million Equity Capital $158,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $1,000 Profit Margin - Quarterly Net Interest Margin 4.14% Return on Assets 0% Return on Equity 0% Interest Income $71,000 Non-Interest Income $1,000

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 Central Electric Credit Union had $0 in non-current loans and owned real-estate with $158,000 in equity and loan loss allowances on hand to cover it. This gives Central Electric Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Central Electric Credit Union has increased its total deposits by $177,000, resulting in 13.2% 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 Central Electric 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. Central Electric Credit Union has $1.68 million in assets with $158,000 in equity, resulting in a capitalization level of 9.40%, which is average.

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