S I Employees Credit Union

S I Employees Credit Union is headquartered in Saratoga Spring and is the 406^th largest credit union in the state of New York. It is also the 7,025^th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to employees and 138 members. S I Employees Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics S I EMPLOYEES NCUA # 10022 BankRate Report View Year Chartered 1955 Employees 0 Primary Regulator Assets and Liabilities Assets $361,000 Loans $121,000 Deposits $219,000 Equity Capital $142,000 Loan Loss Allowance $6,000 Unbacked Noncurrent Loans $3,000 Historic Data - December 2010 Assets $329,000 Equity Capital $137,000 Loan Loss Allowance $6,000 Unbacked Noncurrent Loans $1,000 Profit Margin - Quarterly Net Interest Margin 10.29% Return on Assets 1.39% Return on Equity 3.52% Interest Income $13,000 Non-Interest Income $3,000

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 S I Employees Credit Union had $3,000 in non-current loans and owned real-estate with $148,000 in equity and loan loss allowances on hand to cover it. This gives S I Employees Credit Union a Texas Ratio of 2.03% 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 S I Employees Credit Union held steady from 0.70% as of December 31, 2010 to 2.03% as of December 31, 2011, resulting in a negative change of 189.86%. This indicates that the balance sheet and financial strength for S I Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, S I Employees Credit Union has increased its total deposits by $30,000, resulting in 15.87% 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 S I Employees 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. S I Employees Credit Union has $361,000 in assets with $148,000 in equity, resulting in a capitalization level of 41.00%, which is excellent.

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