Institution Statistics
| ST. JOSEPH`S | | NCUA # | 67686 | | BankRate Report | View | | Year Chartered | 1933 | | Employees | 16 | | Primary Regulator | |
Assets and Liabilities | | Assets | $45.21 million | | Loans | $26.29 million | | Deposits | $41.58 million | | Equity Capital | $3.44 million | | Loan Loss Allowance | $483,000 | | Unbacked Noncurrent Loans | $439,000 |
Historic Data - December 2010 | | Assets | $49.87 million | | Equity Capital | $3.71 million | | Loan Loss Allowance | $335,000 | | Unbacked Noncurrent Loans | $426,000 |
Profit Margin - Quarterly | | Net Interest Margin | 5.9% | | Return on Assets | -0.6% | | Return on Equity | -7.93% | | Interest Income | $1.63 million | | Non-Interest Income | $222,000 |
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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`S Credit Union had $439,000 in non-current loans and owned real-estate with $3.92 million in equity and loan loss allowances on hand to cover it. This gives St. Joseph`S Credit Union a Texas Ratio of 11.19% which is above 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`S Credit Union held steady from 10.52% as of December 31, 2010 to 11.19% as of December 31, 2011, resulting in a negative change of 6.31%. This indicates that the balance sheet and financial strength for St. Joseph`S Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, St. Joseph`S Credit Union has decreased its total deposits by -$4.41 million, resulting in -9.58% 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`S 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. Joseph`S Credit Union has $45.2 million in assets with $3.92 million in equity, resulting in a capitalization level of 8.68%, which is average. |
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