Saints Margaret & Gregory Credit Union

Saints Margaret & Gregory Credit Union is headquartered in South Euclid and is the 222^nd largest credit union in the state of Ohio. It is also the 4,599^th largest credit union in the nation. It was established in 1944 and as of December of 2011, it had grown to 2 employees and 2,519 members. Saints Margaret & Gregory Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics SAINTS MARGARET & GREGORY NCUA # 5089 BankRate Report View Year Chartered 1944 Employees 2 Primary Regulator Assets and Liabilities Assets $10.11 million Loans $5.38 million Deposits $9.05 million Equity Capital $1.02 million Loan Loss Allowance $62,000 Unbacked Noncurrent Loans $141,000 Historic Data - December 2010 Assets $10.18 million Equity Capital $1.01 million Loan Loss Allowance $72,000 Unbacked Noncurrent Loans $185,000 Profit Margin - Quarterly Net Interest Margin 5.65% Return on Assets 0.11% Return on Equity 1.08% Interest Income $381,000 Non-Interest Income $51,000

Institution Health Overall Score: 4 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 Saints Margaret & Gregory Credit Union had $141,000 in non-current loans and owned real-estate with $1.08 million in equity and loan loss allowances on hand to cover it. This gives Saints Margaret & Gregory Credit Union a Texas Ratio of 13.02% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Saints Margaret & Gregory Credit Union decreased slightly from 17.08% as of December 31, 2010 to 13.02% as of December 31, 2011, resulting in a positive change of 23.78%.This indicates that the balance sheet and financial strength for Saints Margaret & Gregory Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Saints Margaret & Gregory Credit Union has decreased its total deposits by $-97,000, resulting in -1.06% 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 Saints Margaret & Gregory 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. Saints Margaret & Gregory Credit Union has $10.11 million in assets with $1.08 million in equity, resulting in a capitalization level of 10.71%, which is above average.

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