Jeff-Co Schools Credit Union

Jeff-Co Schools Credit Union is headquartered in Mount Vernon and is the 204^th largest credit union in the state of Illinois. It is also the 5,167^th largest credit union in the nation. It was established in 1973 and as of December of 2011, it had grown to 3 employees and 1,283 members. Jeff-Co Schools Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics JEFF-CO SCHOOLS NCUA # 21344 BankRate Report View Year Chartered 1973 Employees 3 Primary Regulator Assets and Liabilities Assets $6.80 million Loans $5.10 million Deposits $6.30 million Equity Capital $464,000 Loan Loss Allowance $16,000 Historic Data - December 2010 Assets $6.31 million Equity Capital $454,000 Loan Loss Allowance $20,000 Unbacked Noncurrent Loans $17,000 Profit Margin - Quarterly Net Interest Margin 4.94% Return on Assets 0.15% Return on Equity 2.16% Interest Income $279,000 Non-Interest Income $66,000

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 Jeff-Co Schools Credit Union had $0 in non-current loans and owned real-estate with $480,000 in equity and loan loss allowances on hand to cover it. This gives Jeff-Co Schools Credit Union 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, Jeff-Co Schools Credit Union has increased its total deposits by $487,000, resulting in 8.37% 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 Jeff-Co Schools 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. Jeff-Co Schools Credit Union has $6.8 million in assets with $480,000 in equity, resulting in a capitalization level of 7.05%, which is below average.

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