J D M H Credit Union

J D M H Credit Union is headquartered in Jeannette and is the 353^rd largest credit union in the state of Pennsylvania. It is also the 5,588^th largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 2 employees and 946 members. J D M H Credit Union has a 5-star health rating.

J D M H Credit Union Savings Account Rates

J D M H Credit Union CD Rates

Data for Q4 2011

Institution Statistics J D M H NCUA # 15551 BankRate Report View Year Chartered 1963 Employees 2 Primary Regulator Assets and Liabilities Assets $4.72 million Loans $2.32 million Deposits $2.94 million Equity Capital $1.78 million Loan Loss Allowance $37,000 Unbacked Noncurrent Loans $93,000 Historic Data - December 2010 Assets $4.50 million Equity Capital $1.77 million Loan Loss Allowance $32,000 Unbacked Noncurrent Loans $182,000 Profit Margin - Quarterly Net Interest Margin 8.57% Return on Assets 0.13% Return on Equity 0.34% Interest Income $223,000 Non-Interest Income $27,000

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 J D M H Credit Union had $93,000 in non-current loans and owned real-estate with $1.81 million in equity and loan loss allowances on hand to cover it. This gives J D M H Credit Union a Texas Ratio of 5.13% 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 J D M H Credit Union decreased significantly from 10.09% as of December 31, 2010 to 5.13% as of December 31, 2011, resulting in a positive change of 49.18%.This indicates that the balance sheet and financial strength for J D M H Credit Union has improved significantly in recent periods. Deposit Growth In the past year, J D M H Credit Union has increased its total deposits by $219,000, resulting in 8.05% 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 D M H 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. J D M H Credit Union has $4.72 million in assets with $1.81 million in equity, resulting in a capitalization level of 38.43%, which is excellent.

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