Jackson County Co-Op Credit Union

Jackson County Co-Op Credit Union is headquartered in SEYMOUR and is the 91^st largest credit union in the state of Indiana. It is also the 3,656^th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 6 employees and 1,138 members. Jackson County Co-Op Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics JACKSON COUNTY CO-OP NCUA # 97063 BankRate Report View Year Chartered 1955 Employees 6 Primary Regulator Assets and Liabilities Assets $18.81 million Loans $14.85 million Deposits $15.95 million Equity Capital $2.86 million Loan Loss Allowance $128,000 Unbacked Noncurrent Loans $37,000 Real Estate Owned $340,000 Historic Data - December 2010 Assets $18.11 million Equity Capital $2.67 million Loan Loss Allowance $124,000 Unbacked Noncurrent Loans $197,000 Real Estate Owned $367,000 Profit Margin - Quarterly Net Interest Margin 5.17% Return on Assets 1.24% Return on Equity 8.15% Interest Income $936,000 Non-Interest Income $76,000

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 Jackson County Co-Op Credit Union had $377,000 in non-current loans and owned real-estate with $2.99 million in equity and loan loss allowances on hand to cover it. This gives Jackson County Co-Op Credit Union a Texas Ratio of 12.63% 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 Jackson County Co-Op Credit Union decreased slightly from 20.16% as of December 31, 2010 to 12.63% as of December 31, 2011, resulting in a positive change of 37.36%.This indicates that the balance sheet and financial strength for Jackson County Co-Op Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Jackson County Co-Op Credit Union has increased its total deposits by $511,000, resulting in 3.31% 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 Jackson County Co-Op Credit Union 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. Jackson County Co-Op Credit Union has $18.81 million in assets with $2.99 million in equity, resulting in a capitalization level of 15.88%, which is excellent.

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