St. Helens Community Federal Credit Union

St. Helens Community Federal Credit Union is headquartered in Saint Helens and is the 18^st largest credit union in the state of Oregon. It is also the 987^th largest credit union in the nation. It was established in 1938 and as of September of 2011, it had grown to 54 employees and 14,882 members. St. Helens Community Federal Credit Union has a 3-star health rating.

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Data for Q3 2011

Institution Statistics ST. HELENS COMMUNITY NCUA # 2730 BankRate Report View Year Established 1938 Employees 54 Primary Regulator Assets and Liabilities Assets $164.58 million Loans $133.23 million Deposits $143.79 million Equity Capital $14.02 million Loan Loss Allowance $1.62 million Unbacked Noncurrent Loans $2.25 million Real Estate Owned $3.96 million Historic Data - September 2010 Assets $160.21 million Equity Capital $13.33 million Loan Loss Allowance $2.25 million Unbacked Noncurrent Loans $4.48 million Real Estate Owned $2.33 million Profit Margin - Quarterly Net Interest Margin 3.91% Return on Assets 0.72% Return on Equity 8.48% Interest Income $6.02 million Non-Interest Income $1.76 million

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 September 30, 2011 St. Helens Community Federal Credit Union had $6.21 million in non-current loans and owned real-estate with $15.64 million in equity and loan loss allowances on hand to cover it. This gives St. Helens Community Federal Credit Union a Texas Ratio of 39.70% 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. Helens Community Federal Credit Union held steady from 43.72% as of September 30, 2010 to 39.70% as of September 30, 2011, resulting in a positive change of 9.19%.This indicates that the balance sheet and financial strength for St. Helens Community Federal Credit Union has held steady in recent periods. Deposit Growth In the past year, St. Helens Community Federal Credit Union has increased its total deposits by $3.98 million, resulting in 2.84% 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. Helens Community Federal 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. Helens Community Federal Credit Union has $164.58 million in assets with $15.64 million in equity, resulting in a capitalization level of 9.50%, which is average.

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