J C Federal Employees Credit Union

J C Federal Employees Credit Union is headquartered in Jefferson City and is the 116^st largest credit union in the state of Missouri. It is also the 6,259^th largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 1 employees and 611 members. J C Federal Employees Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics J C FEDERAL EMPLOYEES NCUA # 67691 BankRate Report View Year Chartered 1950 Employees 1 Primary Regulator Assets and Liabilities Assets $2.24 million Loans $1.54 million Deposits $1.87 million Equity Capital $366,000 Loan Loss Allowance $16,000 Unbacked Noncurrent Loans $55,000 Historic Data - December 2010 Assets $2.23 million Equity Capital $357,000 Loan Loss Allowance $23,000 Unbacked Noncurrent Loans $33,000 Profit Margin - Quarterly Net Interest Margin 4.49% Return on Assets 0.4% Return on Equity 2.46% Interest Income $87,000

Institution Health Overall Score: 4 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 J C Federal Employees Credit Union had $55,000 in non-current loans and owned real-estate with $382,000 in equity and loan loss allowances on hand to cover it. This gives J C Federal Employees Credit Union a Texas Ratio of 14.40% 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 J C Federal Employees Credit Union increased slightly from 8.68% as of December 31, 2010 to 14.40% as of December 31, 2011, resulting in a negative change of 65.79%. This indicates that the balance sheet and financial strength for J C Federal Employees Credit Union has declined slightly in recent periods. Deposit Growth In the past year, J C Federal Employees Credit Union has decreased its total deposits by $-3,000, resulting in -0.16% 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 J C Federal Employees Credit Union has shown is 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. J C Federal Employees Credit Union has $2.24 million in assets with $382,000 in equity, resulting in a capitalization level of 17.07%, which is excellent.

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