JSC Credit Union

JSC Credit Union is headquartered in Houston and is the 7^th largest credit union in the state of Texas. It is also the 99^th largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 160 employees and 118,390 members. JSC Credit Union's money market rates are 25% higher than the national average, and it boasts a 5-star health rating.

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JSC Credit Union Money Market Rates

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Data for Q4 2011

Institution Statistics JSC NCUA # 14762 BankRate Report View Year Chartered 1961 Employees 160 Primary Regulator Assets and Liabilities Assets $1.57 billion Loans $348.85 million Deposits $1.41 billion Equity Capital $156.21 million Loan Loss Allowance $1.81 million Unbacked Noncurrent Loans $1.28 million Historic Data - December 2010 Assets $1.47 billion Equity Capital $146.34 million Loan Loss Allowance $1.83 million Unbacked Noncurrent Loans $1.25 million Profit Margin - Quarterly Net Interest Margin 5.04% Return on Assets 0.63% Return on Equity 6.32% Interest Income $35.41 million Non-Interest Income $12.90 million

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 JSC Credit Union had $1.28 million in non-current loans and owned real-estate with $158.02 million in equity and loan loss allowances on hand to cover it. This gives JSC Credit Union a Texas Ratio of 0.81% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for JSC Credit Union held steady from 0.84% as of December 31, 2010 to 0.81% as of December 31, 2011, resulting in a positive change of 4.44%.This indicates that the balance sheet and financial strength for JSC Credit Union has held steady in recent periods. Deposit Growth In the past year, JSC Credit Union has increased its total deposits by $85.51 million, resulting in 6.48% 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 JSC 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. JSC Credit Union has $1.57 billion in assets with $158.02 million in equity, resulting in a capitalization level of 10.08%, which is above average.

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