St. Marys Parish Ottoville Credit Union

St. Marys Parish Ottoville Credit Union is headquartered in OTTOVILLE and is the 371^st largest credit union in the state of Ohio. It is also the 7,117^st largest credit union in the nation. It was established in 1947 and as of December of 2011, it had grown to employees and 116 members. St. Marys Parish Ottoville Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics ST. MARYS PARISH OTTOVILLE NCUA # 5460 BankRate Report View Year Chartered 1947 Employees 0 Primary Regulator Assets and Liabilities Assets $221,000 Loans $76,000 Deposits $190,000 Equity Capital $31,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $10,000 Historic Data - December 2010 Assets $276,000 Equity Capital $31,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $13,000 Profit Margin - Quarterly Net Interest Margin 5% Return on Assets 0% Return on Equity 0% Interest Income $7,000

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. Marys Parish Ottoville Credit Union had $10,000 in non-current loans and owned real-estate with $32,000 in equity and loan loss allowances on hand to cover it. This gives St. Marys Parish Ottoville Credit Union a Texas Ratio of 31.25% 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. Marys Parish Ottoville Credit Union decreased slightly from 40.63% as of December 31, 2010 to 31.25% as of December 31, 2011, resulting in a positive change of 23.08%.This indicates that the balance sheet and financial strength for St. Marys Parish Ottoville Credit Union has improved slightly in recent periods. Deposit Growth In the past year, St. Marys Parish Ottoville Credit Union has decreased its total deposits by $-55,000, resulting in -22.45% 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. Marys Parish Ottoville 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. Marys Parish Ottoville Credit Union has $221,000 in assets with $32,000 in equity, resulting in a capitalization level of 14.48%, which is excellent.

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