Sjb Credit Union

Sjb Credit Union is headquartered in Fall River and is the 98^th largest credit union in the state of Massachusetts. It is also the 3,207^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 8 employees and 6,402 members. Sjb Credit Union's money market rates are 14% higher than the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics SJB NCUA # 3913 BankRate Report View Year Chartered 1940 Employees 8 Primary Regulator Assets and Liabilities Assets $25.02 million Loans $8.79 million Deposits $22.47 million Equity Capital $2.54 million Loan Loss Allowance $94,000 Unbacked Noncurrent Loans $454,000 Historic Data - December 2010 Assets $24.43 million Equity Capital $2.61 million Loan Loss Allowance $125,000 Unbacked Noncurrent Loans $275,000 Profit Margin - Quarterly Net Interest Margin 5.34% Return on Assets -0.25% Return on Equity -2.44% Interest Income $823,000 Non-Interest Income $117,000

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 Sjb Credit Union had $454,000 in non-current loans and owned real-estate with $2.64 million in equity and loan loss allowances on hand to cover it. This gives Sjb Credit Union a Texas Ratio of 17.22% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Sjb Credit Union increased slightly from 10.07% as of December 31, 2010 to 17.22% as of December 31, 2011, resulting in a negative change of 71.04%. This indicates that the balance sheet and financial strength for Sjb Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Sjb Credit Union has increased its total deposits by $650,000, resulting in 2.98% 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 Sjb Credit Union has shown is above 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. Sjb Credit Union has $25.02 million in assets with $2.64 million in equity, resulting in a capitalization level of 10.54%, which is above average.

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