St. Cecilia Parish Credit Union
P. O. Box 18607
Saint Louis, MO 63118
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St. Cecilia Parish Credit Union is headquartered in Saint Louis and is the 127th largest credit union in the state of Missouri. It is also the 6,674th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to employees and 543 members. St. Cecilia Parish Credit Union has a 4-star health rating.
Data for Q4 2011
Institution Statistics
| ST. CECILIA PARISH | | NCUA # | 64669 | | BankRate Report | View | | Year Chartered | 1940 | | Employees | 0 | | Primary Regulator | |
Assets and Liabilities | | Assets | $1.07 million | | Loans | $25,000 | | Deposits | $747,000 | | Equity Capital | $323,000 | | Loan Loss Allowance | $1,000 | | Unbacked Noncurrent Loans | $2,000 |
Historic Data - December 2010 | | Assets | $1.14 million | | Equity Capital | $329,000 |
Profit Margin - Quarterly | | Net Interest Margin | 11.87% | | Return on Assets | -0.47% | | Return on Equity | -1.55% | | Interest Income | $13,000 |
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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 St. Cecilia Parish Credit Union had $2,000 in non-current loans and owned real-estate with $324,000 in equity and loan loss allowances on hand to cover it. This gives St. Cecilia Parish Credit Union a Texas Ratio of 0.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, St. Cecilia Parish Credit Union has decreased its total deposits by $-65,000, resulting in -8% 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. Cecilia Parish Credit Union has shown is poor. | | 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. Cecilia Parish Credit Union has $1.07 million in assets with $324,000 in equity, resulting in a capitalization level of 30.22%, which is excellent. |
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