S J H Employees Credit Union

S J H Employees Credit Union is headquartered in Springfield and is the 293^rd largest credit union in the state of Illinois. It is also the 6,409^th largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 2 employees and 1,200 members. S J H Employees Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics S J H EMPLOYEES NCUA # 17497 BankRate Report View Year Chartered 1966 Employees 2 Primary Regulator Assets and Liabilities Assets $1.77 million Loans $1.05 million Deposits $1.51 million Equity Capital $233,000 Loan Loss Allowance $41,000 Unbacked Noncurrent Loans $86,000 Historic Data - December 2010 Assets $1.84 million Equity Capital $306,000 Loan Loss Allowance $39,000 Unbacked Noncurrent Loans $46,000 Profit Margin - Quarterly Net Interest Margin 12.3% Return on Assets -3.73% Return on Equity -28.33% Interest Income $136,000 Non-Interest Income ($19,000)

Institution Health Overall Score: 3 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 J H Employees Credit Union had $86,000 in non-current loans and owned real-estate with $274,000 in equity and loan loss allowances on hand to cover it. This gives S J H Employees Credit Union a Texas Ratio of 31.39% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for S J H Employees Credit Union increased slightly from 13.33% as of December 31, 2010 to 31.39% as of December 31, 2011, resulting in a negative change of 135.40%. This indicates that the balance sheet and financial strength for S J H Employees Credit Union has declined slightly in recent periods. Deposit Growth In the past year, S J H Employees Credit Union has decreased its total deposits by $-22,000, resulting in -1.43% 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 J H Employees Credit Union has shown is below average. 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 J H Employees Credit Union has $1.77 million in assets with $274,000 in equity, resulting in a capitalization level of 15.50%, which is excellent.

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