St. Joseph Mercy Hospital Pontiac Credit Union

St. Joseph Mercy Hospital Pontiac Credit Union is headquartered in Pontiac and is the 247^th largest credit union in the state of Michigan. It is also the 4,218^st largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 4 employees and 3,020 members. St. Joseph Mercy Hospital Pontiac Credit Union's savings rates are 44% higher than the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics ST. JOSEPH MERCY HOSPITAL PONTIAC NCUA # 11978 BankRate Report View Year Chartered 1957 Employees 4 Primary Regulator Assets and Liabilities Assets $12.93 million Loans $8.01 million Deposits $11.83 million Equity Capital $992,000 Loan Loss Allowance $234,000 Unbacked Noncurrent Loans $601,000 Real Estate Owned $191,000 Historic Data - December 2010 Assets $12.87 million Equity Capital $1.05 million Loan Loss Allowance $267,000 Unbacked Noncurrent Loans $411,000 Real Estate Owned $173,000 Profit Margin - Quarterly Net Interest Margin 7.52% Return on Assets -0.43% Return on Equity -5.54% Interest Income $695,000 Non-Interest Income $459,000

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 December 31, 2011 St. Joseph Mercy Hospital Pontiac Credit Union had $792,000 in non-current loans and owned real-estate with $1.23 million in equity and loan loss allowances on hand to cover it. This gives St. Joseph Mercy Hospital Pontiac Credit Union a Texas Ratio of 64.60% 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. Joseph Mercy Hospital Pontiac Credit Union increased slightly from 44.44% as of December 31, 2010 to 64.60% as of December 31, 2011, resulting in a negative change of 45.35%. This indicates that the balance sheet and financial strength for St. Joseph Mercy Hospital Pontiac Credit Union has declined slightly in recent periods. Deposit Growth In the past year, St. Joseph Mercy Hospital Pontiac Credit Union has increased its total deposits by $122,000, resulting in 1.04% 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 Mercy Hospital Pontiac 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. Joseph Mercy Hospital Pontiac Credit Union has $12.93 million in assets with $1.23 million in equity, resulting in a capitalization level of 9.48%, which is average.

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