Electro Savings Credit Union

Electro Savings Credit Union is headquartered in Saint Louis and is the 15^st largest credit union in the state of Missouri. It is also the 1,126^th largest credit union in the nation. It was established in 1941 and as of December of 2011, it had grown to 52 employees and 16,586 members. Electro Savings Credit Union's savings rates are 44% higher than the national average, and it has a 3-star health rating.

Electro Savings Credit Union Checking Account Rates

Electro Savings Credit Union Savings Account Rates

Electro Savings Credit Union Money Market Rates

Electro Savings Credit Union CD Rates

Electro Savings Credit Union IRA Rates

Data for Q4 2011

Institution Statistics ELECTRO SAVINGS NCUA # 62590 BankRate Report View Year Chartered 1941 Employees 52 Primary Regulator Assets and Liabilities Assets $139.73 million Loans $78.54 million Deposits $126.09 million Equity Capital $12.48 million Loan Loss Allowance $775,000 Unbacked Noncurrent Loans $1.00 million Real Estate Owned $76,000 Historic Data - December 2010 Assets $143.97 million Equity Capital $11.56 million Loan Loss Allowance $633,000 Unbacked Noncurrent Loans $513,000 Real Estate Owned $454,000 Profit Margin - Quarterly Net Interest Margin 5.4% Return on Assets 0.37% Return on Equity 4.12% Interest Income $6.31 million Non-Interest Income $2.46 million

Institution Health Overall Score: 3 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 Electro Savings Credit Union had $1.08 million in non-current loans and owned real-estate with $13.25 million in equity and loan loss allowances on hand to cover it. This gives Electro Savings Credit Union a Texas Ratio of 8.13% 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 Electro Savings Credit Union held steady from 7.93% as of December 31, 2010 to 8.13% as of December 31, 2011, resulting in a negative change of 2.48%. This indicates that the balance sheet and financial strength for Electro Savings Credit Union has held steady in recent periods. Deposit Growth In the past year, Electro Savings Credit Union has decreased its total deposits by -$5.54 million, resulting in -4.21% 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 Electro Savings 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. Electro Savings Credit Union has $139.73 million in assets with $13.25 million in equity, resulting in a capitalization level of 9.48%, which is average.

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