Jeanne D'Arc Credit Union

Jeanne D'Arc Credit Union Locations
658 Merrimack Street
Lowell, MA 01854
978-452-5001
www.jdcu.com

NCUA

Jeanne D'Arc Credit Union is headquartered in LOWELL and is the 7th largest credit union in the state of Massachusetts. It is also the 197th largest credit union in the nation. It was established in 1911 and as of December of 2012, it had grown to 164 employees and 59,079 members. Jeanne D'Arc Credit Union has a 5-star health rating.

Related Posts

Special 18-Month CD at Jeanne D'Arc Credit Union in MA & NH - Local Only - 12/5/2012

Jeanne D'Arc Credit Union has a CD promotion with a competitive rate. The special is an 18-month CD with a 1.20% APY. It's also available for IRAs and SEPs. Minimum deposit is $250. This rate is liste ...

Special 13-Month CD Continues at Jeanne D'Arc Credit Union in MA & NH - Local Only - 10/19/2010

Jeanne D'Arc Credit Union is still offering a special 13-month CD. The rate has fallen since my last post. It's now 1.60% APY which is still very competitive for a term that's just over one year. As a ...

Special 13-Month CD at Jeanne D'Arc Credit Union in MA & NH - Local Only - 6/19/2010

Jeanne D'Arc Credit Union is offering a special 1.70% APY 13-month CD. Minimum deposit is $500. This rate is listed on the credit union's what's new page as of 6/19/2010 . It's a limited time special ...

2.05% 15-Month CD at Jeanne D'Arc Credit Union in MA and NH - Local Only - 11/22/2009

Jeanne D'Arc Credit Union is offering a special 2.05% APY 15-month CD. Minimum deposit is $500. This rate is listed on the credit union's front page as of 11/22/09.This certificate promotion has a one-time bump-up option which allows the member to...

2009



We are currently reviewing the rates for Jeanne D'Arc Credit Union for accuracy. Please check back in a few hours.

Data for Q4 2012


Institution Statistics


JEANNE D'ARC
NCUA #67352
BankRate ReportView
Year Chartered1911
Employees164
Primary Regulator

Assets and Liabilities

Assets$1.01 billion
Loans$554.55 million
Deposits$836.95 million
Equity Capital$84.67 million
Loan Loss Allowance$5.24 million
Unbacked Noncurrent Loans$4.33 million
Real Estate Owned$666,000

Historic Data - December 2011

Assets$922.22 million
Equity Capital$79.90 million
Loan Loss Allowance$5.85 million
Unbacked Noncurrent Loans$6.10 million
Real Estate Owned$278,000

Profit Margin - Quarterly

Net Interest Margin4.26%
Return on Assets0.44%
Return on Equity5.26%
Interest Income$30.60 million
Non-Interest Income$8.02 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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, 2012 Jeanne D'Arc Credit Union had $5 million in non-current loans and owned real-estate with $89.91 million in equity and loan loss allowances on hand to cover it. This gives Jeanne D'Arc Credit Union a Texas Ratio of 5.56% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Jeanne D'Arc Credit Union decreased slightly from 7.44% as of December 31, 2011 to 5.56% as of December 31, 2012, resulting in a positive change of 25.22%.This indicates that the balance sheet and financial strength for Jeanne D'Arc Credit Union has improved slightly in recent periods.
Deposit Growth5
In the past year, Jeanne D'Arc Credit Union has increased its total deposits by $65.8 million, resulting in 8.53% 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 Jeanne D'Arc Credit Union has shown is excellent.
Capitalization3
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. Jeanne D'Arc Credit Union has $1.01 billion in assets with $89.91 million in equity, resulting in a capitalization level of 8.94%, which is average.
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