Civil Service Employees Association Credit Union

Civil Service Employees Association Credit Union is headquartered in CLEVELAND and is the 263^rd largest credit union in the state of Ohio. It is also the 5,337^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 4 employees and 2,915 members. Civil Service Employees Association Credit Union's CD rates are 11% higher than the national average, and it boasts a 5-star health rating.

Civil Service Employees Association Credit Union CD Rates

Data for Q4 2011

Institution Statistics CIVIL SERVICE EMPLOYEES ASSOCIATION NCUA # 66860 BankRate Report View Year Chartered 1937 Employees 4 Primary Regulator Assets and Liabilities Assets $5.91 million Loans $3.16 million Deposits $4.53 million Equity Capital $1.23 million Loan Loss Allowance $80,000 Unbacked Noncurrent Loans $94,000 Historic Data - December 2010 Assets $5.93 million Equity Capital $1.20 million Loan Loss Allowance $101,000 Unbacked Noncurrent Loans $71,000 Profit Margin - Quarterly Net Interest Margin 8.95% Return on Assets 0.58% Return on Equity 2.76% Interest Income $369,000 Non-Interest Income $180,000

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 Civil Service Employees Association Credit Union had $94,000 in non-current loans and owned real-estate with $1.31 million in equity and loan loss allowances on hand to cover it. This gives Civil Service Employees Association Credit Union a Texas Ratio of 7.17% 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 Civil Service Employees Association Credit Union held steady from 5.47% as of December 31, 2010 to 7.17% as of December 31, 2011, resulting in a negative change of 30.98%. This indicates that the balance sheet and financial strength for Civil Service Employees Association Credit Union has held steady in recent periods. Deposit Growth In the past year, Civil Service Employees Association Credit Union has decreased its total deposits by $-92,000, resulting in -1.99% 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 Civil Service Employees Association Credit Union has shown is below 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. Civil Service Employees Association Credit Union has $5.91 million in assets with $1.31 million in equity, resulting in a capitalization level of 22.18%, which is excellent.

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