Community One Credit Union Of Ohio

Community One Credit Union Of Ohio is headquartered in North Canton and is the 80^th largest credit union in the state of Ohio. It is also the 1,978^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 15 employees and 5,639 members. Community One Credit Union Of Ohio has a 5-star health rating.

Data for Q4 2011

Institution Statistics COMMUNITY ONE CREDIT UNION OF OHIO NCUA # 62628 BankRate Report View Year Chartered 1936 Employees 15 Primary Regulator Assets and Liabilities Assets $61.07 million Loans $26.72 million Deposits $56.42 million Equity Capital $4.37 million Loan Loss Allowance $166,000 Unbacked Noncurrent Loans $66,000 Historic Data - December 2010 Assets $60.29 million Equity Capital $4.25 million Loan Loss Allowance $102,000 Unbacked Noncurrent Loans $294,000 Real Estate Owned $48,000 Profit Margin - Quarterly Net Interest Margin 5.45% Return on Assets 0.16% Return on Equity 2.29% Interest Income $2.13 million Non-Interest Income $621,000

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 Community One Credit Union Of Ohio had $66,000 in non-current loans and owned real-estate with $4.54 million in equity and loan loss allowances on hand to cover it. This gives Community One Credit Union Of Ohio a Texas Ratio of 1.46% 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 Community One Credit Union Of Ohio decreased significantly from 7.86% as of December 31, 2010 to 1.46% as of December 31, 2011, resulting in a positive change of 81.49%.This indicates that the balance sheet and financial strength for Community One Credit Union Of Ohio has improved significantly in recent periods. Deposit Growth In the past year, Community One Credit Union Of Ohio has increased its total deposits by $608,000, resulting in 1.09% 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 Community One Credit Union Of Ohio 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. Community One Credit Union Of Ohio has $61.07 million in assets with $4.54 million in equity, resulting in a capitalization level of 7.43%, which is below average.

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