St Joe Valley Credit Union is headquartered in St Maries and is the 36th largest credit union in the state of Idaho. It is also the 4,934th largest credit union in the nation. It was established in 1959 and as of March of 2014, it had grown to 2 employees and 1,300 members. St Joe Valley Credit Union has a C health rating.
All people living in or employed within a radius of 35 miles of the city of St. Maries, their immediate families, all military personnel having their permanent residence within the service area and their immediate families, business address located within the membership area, and organizations of such persons. - See Details
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The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 St Joe Valley Credit Union had $0 in non-current loans and owned real-estate with $446,000 in equity and loan loss allowances on hand to cover it. This gives St Joe Valley Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
In the past year, St Joe Valley Credit Union has decreased its total deposits by $-251,000, resulting in -3.73% 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 Joe Valley Credit Union has shown is below average.
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 Joe Valley Credit Union has $6.92 million in assets with $446,000 in equity, resulting in a capitalization level of 6.45%, which is below average.
|Assets and Liabilities|
|Loan Loss Allowance||$41,000|
|Real Estate Owned||$0|
|Historic Data - March 2013|
|Loan Loss Allowance||$50,000|
|Real Estate Owned||$0|
|Profit Margin - Quarterly|
|Net Interest Margin||1.41%|
|Return on Assets||-0.17%|
|Return on Equity||-2.96%|
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|0.01%||-||-||Super Saver Account|
|0.60%||-||-||60 Month CD|
|0.40%||-||-||48 Month CD|
|0.35%||-||-||36 Month CD|
|0.25%||-||-||24 Month CD|
|0.20%||$500||-||12 Month IRA|
|St Joe Valley Credit Union Locations|
|Branch Office||129 S 9th St||St Maries, ID 83861|