St. Joseph Hospital Employees's Credit Union

St. Joseph Hospital Employees's Credit Union is headquartered in Nashua and is the 17^st largest credit union in the state of New Hampshire. It is also the 5,328^th largest credit union in the nation. It was established in 1969 and as of December of 2011, it had grown to 2 employees and 1,116 members. St. Joseph Hospital Employees's Credit Union has a 5-star health rating.

St. Joseph Hospital Employees's Credit Union CD Rates

Data for Q4 2011

Institution Statistics ST. JOSEPH HOSPITAL EMPLOYEES'S NCUA # 66289 BankRate Report View Year Chartered 1969 Employees 2 Primary Regulator Assets and Liabilities Assets $5.96 million Loans $2.24 million Deposits $5.29 million Equity Capital $666,000 Loan Loss Allowance $26,000 Unbacked Noncurrent Loans $7,000 Historic Data - December 2010 Assets $5.50 million Equity Capital $677,000 Loan Loss Allowance $36,000 Unbacked Noncurrent Loans $5,000 Profit Margin - Quarterly Net Interest Margin 6.8% Return on Assets -0.17% Return on Equity -1.5% Interest Income $176,000 Non-Interest Income $49,000

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 Hospital Employees's Credit Union had $7,000 in non-current loans and owned real-estate with $692,000 in equity and loan loss allowances on hand to cover it. This gives St. Joseph Hospital Employees's Credit Union a Texas Ratio of 1.01% 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 Hospital Employees's Credit Union held steady from 0.70% as of December 31, 2010 to 1.01% as of December 31, 2011, resulting in a negative change of 44.25%. This indicates that the balance sheet and financial strength for St. Joseph Hospital Employees's Credit Union has held steady in recent periods. Deposit Growth In the past year, St. Joseph Hospital Employees's Credit Union has increased its total deposits by $491,000, resulting in 10.23% 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 Hospital Employees's Credit Union has shown is excellent. 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 Hospital Employees's Credit Union has $5.96 million in assets with $692,000 in equity, resulting in a capitalization level of 11.60%, which is above average.

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