Jeffco CU (MO)

Jeffco CU (MO) is headquartered in Festus and is the 82^nd largest credit union in the state of Missouri. It is also the 4,499^th largest credit union in the nation. It was established in 1975 and as of December of 2011, it had grown to 4 employees and 2,019 members. Jeffco CU (MO)'s savings rates are 25% higher than the national average, and it boasts a 5-star health rating.

Jeffco CU (MO) Checking Account Rates

Jeffco CU (MO) Savings Account Rates

Data for Q4 2011

Institution Statistics JEFFCO NCUA # 67953 BankRate Report View Year Chartered 1975 Employees 4 Primary Regulator Assets and Liabilities Assets $10.74 million Loans $4.45 million Deposits $9.44 million Equity Capital $1.29 million Loan Loss Allowance $13,000 Historic Data - December 2010 Assets $9.62 million Equity Capital $1.29 million Loan Loss Allowance $17,000 Unbacked Noncurrent Loans $83,000 Profit Margin - Quarterly Net Interest Margin 6.63% Return on Assets 0.04% Return on Equity 0.31% Interest Income $365,000 Non-Interest Income $60,000

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 Jeffco CU (MO) had $0 in non-current loans and owned real-estate with $1.3 million in equity and loan loss allowances on hand to cover it. This gives Jeffco CU (MO) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Jeffco CU (MO) has increased its total deposits by $1.12 million, resulting in 13.41% 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 Jeffco CU (MO) 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. Jeffco CU (MO) has $10.74 million in assets with $1.3 million in equity, resulting in a capitalization level of 12.15%, which is excellent.

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