St. Joseph Cold Spring Credit Union

St. Joseph Cold Spring Credit Union is headquartered in Cold Spring and is the 78^th largest credit union in the state of Kentucky. It is also the 6,416^st largest credit union in the nation. It was established in 1976 and as of December of 2011, it had grown to employees and 369 members. St. Joseph Cold Spring Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics ST. JOSEPH COLD SPRING NCUA # 22378 BankRate Report View Year Chartered 1976 Employees 0 Primary Regulator Assets and Liabilities Assets $1.75 million Loans $172,000 Deposits $1.26 million Equity Capital $481,000 Unbacked Noncurrent Loans $16,000 Historic Data - December 2010 Assets $1.81 million Equity Capital $504,000 Unbacked Noncurrent Loans $1,000 Profit Margin - Quarterly Net Interest Margin 4.78% Return on Assets -1.38% Return on Equity -4.99% Interest Income $21,000

Institution Health Overall Score: 5 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. Joseph Cold Spring Credit Union had $16,000 in non-current loans and owned real-estate with $481,000 in equity and loan loss allowances on hand to cover it. This gives St. Joseph Cold Spring Credit Union a Texas Ratio of 3.33% 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. Joseph Cold Spring Credit Union held steady from 0.20% as of December 31, 2010 to 3.33% as of December 31, 2011, resulting in a negative change of 1,576.51%. This indicates that the balance sheet and financial strength for St. Joseph Cold Spring Credit Union has held steady in recent periods. Deposit Growth In the past year, St. Joseph Cold Spring Credit Union has decreased its total deposits by $-43,000, resulting in -3.29% 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. Joseph Cold Spring 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. Joseph Cold Spring Credit Union has $1.74 million in assets with $481,000 in equity, resulting in a capitalization level of 27.56%, which is excellent.

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