St. Francis Medical Center Credit Union

St. Francis Medical Center Credit Union is headquartered in Honolulu and is the 68^th largest credit union in the state of Hawaii. It is also the 4,635^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to 2 employees and 1,250 members. St. Francis Medical Center Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics ST. FRANCIS MEDICAL CENTER NCUA # 9719 BankRate Report View Year Chartered 1954 Employees 2 Primary Regulator Assets and Liabilities Assets $9.90 million Loans $6.43 million Deposits $9.03 million Equity Capital $771,000 Loan Loss Allowance $472,000 Unbacked Noncurrent Loans $604,000 Historic Data - December 2010 Assets $10.39 million Equity Capital $1.06 million Loan Loss Allowance $165,000 Unbacked Noncurrent Loans $877,000 Profit Margin - Quarterly Net Interest Margin 6.9% Return on Assets -2.93% Return on Equity -37.61% Interest Income $533,000

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. Francis Medical Center Credit Union had $604,000 in non-current loans and owned real-estate with $1.24 million in equity and loan loss allowances on hand to cover it. This gives St. Francis Medical Center Credit Union a Texas Ratio of 48.59% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for St. Francis Medical Center Credit Union decreased slightly from 71.53% as of December 31, 2010 to 48.59% as of December 31, 2011, resulting in a positive change of 32.07%.This indicates that the balance sheet and financial strength for St. Francis Medical Center Credit Union has improved slightly in recent periods. Deposit Growth In the past year, St. Francis Medical Center Credit Union has decreased its total deposits by $-225,000, resulting in -2.43% 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. Francis Medical Center Credit Union has shown is below 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. Francis Medical Center Credit Union has $9.9 million in assets with $1.24 million in equity, resulting in a capitalization level of 12.56%, which is excellent.

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