St. Colman & Affiliates Credit Union

St. Colman & Affiliates Credit Union is headquartered in CLEVELAND and is the 255^th largest credit union in the state of Ohio. It is also the 5,211^st largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 4 employees and 6,543 members. St. Colman & Affiliates Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics ST. COLMAN & AFFILIATES NCUA # 3462 BankRate Report View Year Chartered 1939 Employees 4 Primary Regulator Assets and Liabilities Assets $6.55 million Loans $3.36 million Deposits $6.04 million Equity Capital $493,000 Loan Loss Allowance $23,000 Unbacked Noncurrent Loans $80,000 Historic Data - December 2010 Assets $6.45 million Equity Capital $490,000 Loan Loss Allowance $24,000 Unbacked Noncurrent Loans $110,000 Real Estate Owned $8,000 Profit Margin - Quarterly Net Interest Margin 7.67% Return on Assets 0.02% Return on Equity 0.2% Interest Income $312,000 Non-Interest Income $108,000

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 St. Colman & Affiliates Credit Union had $80,000 in non-current loans and owned real-estate with $516,000 in equity and loan loss allowances on hand to cover it. This gives St. Colman & Affiliates Credit Union a Texas Ratio of 15.50% 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 St. Colman & Affiliates Credit Union decreased slightly from 22.96% as of December 31, 2010 to 15.50% as of December 31, 2011, resulting in a positive change of 32.47%.This indicates that the balance sheet and financial strength for St. Colman & Affiliates Credit Union has improved slightly in recent periods. Deposit Growth In the past year, St. Colman & Affiliates Credit Union has increased its total deposits by $105,000, resulting in 1.77% 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. Colman & Affiliates 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. St. Colman & Affiliates Credit Union has $6.55 million in assets with $516,000 in equity, resulting in a capitalization level of 7.87%, which is below average.

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