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Jefferson County Publ. Empl Credit Union

Jefferson County Publ. Empl Credit Union
Overview / Commentary
Not Federally Insured
3467 E 650 N
Menan, ID 83434

Jefferson County Publ. Empl Credit Union is headquartered in Menan and is the 42nd largest credit union in the state of Idaho. It is also the 6,453rd largest credit union in the nation. It was established in 1963 and as of March of 2014, it had grown to 169 members. Jefferson County Publ. Empl Credit Union has a C+ health rating.

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Health

Data for Q1 2014

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Jefferson County Publ. Empl Credit Union has a very low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Jefferson County Publ. Empl Credit Union had $2,000 in non-current loans and owned real-estate with $57,000 in equity and loan loss allowances on hand to cover it. This gives Jefferson County Publ. Empl Credit Union a Texas Ratio of 3.51% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
F

In the past year, Jefferson County Publ. Empl Credit Union has decreased its total deposits by $-84,000, resulting in -20.69% 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 Jefferson County Publ. Empl Credit Union has shown is poor.

Capitalization

GRADE:
A+

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. Jefferson County Publ. Empl Credit Union has $370,000 in assets with $57,000 in equity, resulting in a capitalization level of 15.41%, which is excellent.

Institution Statistics

Overall
NCUA #82522
Year Chartered1963
Employees0
Primary Regulator
Assets and Liabilities
Assets$370,000
Loans$245,000
Deposits$322,000
Equity Capital$48,000
Loan Loss Allowance$9,000
Unbacked Noncurrent Loans$2,000
Real Estate Owned$0
Historic Data - March 2013
Assets$459,000
Equity Capital$53,000
Loan Loss Allowance$9,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.22%
Return on Assets-1.08%
Return on Equity-8.33%
Interest Income$3,000
Rates

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Locations


Jefferson County Publ. Empl Credit Union Locations
Branch Office3467 E 650 NMenan, ID 83434