St. Mary's & Affiliates Credit Union

St. Mary's & Affiliates Credit Union is headquartered in MADISON and is the 86^th largest credit union in the state of Wisconsin. It is also the 2,935^th largest credit union in the nation. It was established in 1959 and as of December of 2011, it had grown to 8 employees and 4,297 members. St. Mary's & Affiliates Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

St. Mary's & Affiliates Credit Union Checking Account Rates

St. Mary's & Affiliates Credit Union Savings Account Rates

St. Mary's & Affiliates Credit Union CD Rates

Data for Q4 2011

Institution Statistics ST. MARY'S & AFFILIATES NCUA # 66564 BankRate Report View Year Chartered 1959 Employees 8 Primary Regulator Assets and Liabilities Assets $30.10 million Loans $15.98 million Deposits $26.98 million Equity Capital $3.07 million Loan Loss Allowance $162,000 Unbacked Noncurrent Loans $169,000 Historic Data - December 2010 Assets $28.27 million Equity Capital $2.97 million Loan Loss Allowance $154,000 Unbacked Noncurrent Loans $122,000 Profit Margin - Quarterly Net Interest Margin 5.18% Return on Assets 0.34% Return on Equity 3.32% Interest Income $1.03 million Non-Interest Income $196,000

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. Mary's & Affiliates Credit Union had $169,000 in non-current loans and owned real-estate with $3.24 million in equity and loan loss allowances on hand to cover it. This gives St. Mary's & Affiliates Credit Union a Texas Ratio of 5.22% 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. Mary's & Affiliates Credit Union held steady from 3.90% as of December 31, 2010 to 5.22% as of December 31, 2011, resulting in a negative change of 33.86%. This indicates that the balance sheet and financial strength for St. Mary's & Affiliates Credit Union has held steady in recent periods. Deposit Growth In the past year, St. Mary's & Affiliates Credit Union has increased its total deposits by $1.74 million, resulting in 6.89% 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. Mary's & Affiliates 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. Mary's & Affiliates Credit Union has $30.1 million in assets with $3.24 million in equity, resulting in a capitalization level of 10.75%, which is above average.

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