St. Cloud Credit Union

St. Cloud Credit Union is headquartered in Saint Cloud and is the 34^th largest credit union in the state of Minnesota. It is also the 1,485^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 39 employees and 14,280 members. St. Cloud Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics ST. CLOUD NCUA # 24584 BankRate Report View Year Chartered 1934 Employees 39 Primary Regulator Assets and Liabilities Assets $94.07 million Loans $69.41 million Deposits $86.52 million Equity Capital $6.75 million Loan Loss Allowance $575,000 Unbacked Noncurrent Loans $831,000 Real Estate Owned $113,000 Historic Data - December 2010 Assets $87.69 million Equity Capital $5.97 million Loan Loss Allowance $700,000 Unbacked Noncurrent Loans $958,000 Real Estate Owned $154,000 Profit Margin - Quarterly Net Interest Margin 4.68% Return on Assets 0.83% Return on Equity 11.62% Interest Income $3.61 million Non-Interest Income $2.05 million

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. Cloud Credit Union had $944,000 in non-current loans and owned real-estate with $7.33 million in equity and loan loss allowances on hand to cover it. This gives St. Cloud Credit Union a Texas Ratio of 12.88% 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. Cloud Credit Union decreased slightly from 16.67% as of December 31, 2010 to 12.88% as of December 31, 2011, resulting in a positive change of 22.75%.This indicates that the balance sheet and financial strength for St. Cloud Credit Union has improved slightly in recent periods. Deposit Growth In the past year, St. Cloud Credit Union has increased its total deposits by $4.95 million, resulting in 6.07% 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. Cloud 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. Cloud Credit Union has $94.07 million in assets with $7.33 million in equity, resulting in a capitalization level of 7.79%, which is below average.

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