St. John Self-Help Credit Union

St. John Self-Help Credit Union is headquartered in RESERVE and is the 188^th largest credit union in the state of Louisiana. It is also the 6,591^st largest credit union in the nation. It was established in 1969 and as of December of 2011, it had grown to employees and 395 members. St. John Self-Help Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics ST. JOHN SELF-HELP NCUA # 19452 BankRate Report View Year Chartered 1969 Employees 0 Primary Regulator Assets and Liabilities Assets $1.28 million Loans $206,000 Deposits $756,000 Equity Capital $525,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $3,000 Historic Data - December 2010 Assets $1.36 million Equity Capital $526,000 Loan Loss Allowance $2,000 Unbacked Noncurrent Loans $4,000 Profit Margin - Quarterly Net Interest Margin 12.36% Return on Assets 0% Return on Equity 0% Interest Income $36,000 Non-Interest Income $3,000

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. John Self-Help Credit Union had $3,000 in non-current loans and owned real-estate with $526,000 in equity and loan loss allowances on hand to cover it. This gives St. John Self-Help Credit Union a Texas Ratio of 0.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for St. John Self-Help Credit Union decreased slightly from 0.76% as of December 31, 2010 to 0.57% as of December 31, 2011, resulting in a positive change of 24.71%.This indicates that the balance sheet and financial strength for St. John Self-Help Credit Union has improved slightly in recent periods. Deposit Growth In the past year, St. John Self-Help Credit Union has decreased its total deposits by $-75,000, resulting in -9.03% 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. John Self-Help Credit Union has shown is poor. 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. John Self-Help Credit Union has $1.28 million in assets with $526,000 in equity, resulting in a capitalization level of 41.06%, which is excellent.

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