Cleveland Selfreliance Credit Union

Cleveland Selfreliance Credit Union is headquartered in PARMA and is the 61^st largest credit union in the state of Ohio. It is also the 1,544^th largest credit union in the nation. It was established in 1994 and as of December of 2011, it had grown to 14 employees and 4,427 members. Cleveland Selfreliance Credit Union's CD rates are 12% higher than the national average, and it boasts a 5-star health rating.

Cleveland Selfreliance Credit Union Checking Account Rates

Cleveland Selfreliance Credit Union Savings Account Rates

Cleveland Selfreliance Credit Union CD Rates

Data for Q4 2011

Institution Statistics CLEVELAND SELFRELIANCE NCUA # 24516 BankRate Report View Year Chartered 1994 Employees 14 Primary Regulator Assets and Liabilities Assets $86.82 million Loans $43.69 million Deposits $73.06 million Equity Capital $13.66 million Loan Loss Allowance $241,000 Unbacked Noncurrent Loans $1.48 million Real Estate Owned $210,000 Historic Data - December 2010 Assets $81.89 million Equity Capital $13.21 million Loan Loss Allowance $274,000 Unbacked Noncurrent Loans $2.68 million Real Estate Owned $324,000 Profit Margin - Quarterly Net Interest Margin 4.7% Return on Assets 0.51% Return on Equity 3.24% Interest Income $2.51 million Non-Interest Income $50,000

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 Cleveland Selfreliance Credit Union had $1.69 million in non-current loans and owned real-estate with $13.9 million in equity and loan loss allowances on hand to cover it. This gives Cleveland Selfreliance Credit Union a Texas Ratio of 12.17% 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 Cleveland Selfreliance Credit Union decreased significantly from 22.29% as of December 31, 2010 to 12.17% as of December 31, 2011, resulting in a positive change of 45.40%.This indicates that the balance sheet and financial strength for Cleveland Selfreliance Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Cleveland Selfreliance Credit Union has increased its total deposits by $4.48 million, resulting in 6.54% 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 Cleveland Selfreliance 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. Cleveland Selfreliance Credit Union has $86.82 million in assets with $13.9 million in equity, resulting in a capitalization level of 16.01%, which is excellent.

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