St. Athanasius Credit Union

St. Athanasius Credit Union is headquartered in JESUP and is the 128^th largest credit union in the state of Iowa. It is also the 6,966^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 1 employees and 309 members. St. Athanasius Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics ST. ATHANASIUS NCUA # 65136 BankRate Report View Year Chartered 1953 Employees 1 Primary Regulator Assets and Liabilities Assets $455,000 Loans $441,000 Deposits $364,000 Equity Capital $91,000 Loan Loss Allowance $11,000 Unbacked Noncurrent Loans $13,000 Historic Data - December 2010 Assets $424,000 Equity Capital $90,000 Loan Loss Allowance $11,000 Unbacked Noncurrent Loans $16,000 Profit Margin - Quarterly Net Interest Margin 4.7% Return on Assets 0% Return on Equity 0% Interest Income $28,000

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 St. Athanasius Credit Union had $13,000 in non-current loans and owned real-estate with $102,000 in equity and loan loss allowances on hand to cover it. This gives St. Athanasius Credit Union a Texas Ratio of 12.75% 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 St. Athanasius Credit Union decreased slightly from 15.84% as of December 31, 2010 to 12.75% as of December 31, 2011, resulting in a positive change of 19.55%.This indicates that the balance sheet and financial strength for St. Athanasius Credit Union has improved slightly in recent periods. Deposit Growth In the past year, St. Athanasius Credit Union has increased its total deposits by $31,000, resulting in 9.31% 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 St. Athanasius 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. St. Athanasius Credit Union has $455,000 in assets with $102,000 in equity, resulting in a capitalization level of 22.42%, which is excellent.

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