St. Patrick S Parish Credit Union

St. Patrick S Parish Credit Union is headquartered in Fairfield and is the 27^th largest credit union in the state of Vermont. It is also the 6,973^rd largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to employees and 293 members. St. Patrick S Parish Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics ST. PATRICK S PARISH NCUA # 65091 BankRate Report View Year Chartered 1953 Employees 0 Primary Regulator Assets and Liabilities Assets $450,000 Loans $341,000 Deposits $394,000 Equity Capital $56,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $11,000 Historic Data - December 2010 Assets $462,000 Equity Capital $56,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $37,000 Profit Margin - Quarterly Net Interest Margin 5.87% Return on Assets 1.11% Return on Equity 8.93% Interest Income $19,000

Institution Health Overall Score: 4 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. Patrick S Parish Credit Union had $11,000 in non-current loans and owned real-estate with $63,000 in equity and loan loss allowances on hand to cover it. This gives St. Patrick S Parish Credit Union a Texas Ratio of 17.46% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for St. Patrick S Parish Credit Union decreased significantly from 58.73% as of December 31, 2010 to 17.46% as of December 31, 2011, resulting in a positive change of 70.27%.This indicates that the balance sheet and financial strength for St. Patrick S Parish Credit Union has improved significantly in recent periods. Deposit Growth In the past year, St. Patrick S Parish Credit Union has decreased its total deposits by $-12,000, resulting in -2.96% 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. Patrick S Parish Credit Union has shown is below 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. Patrick S Parish Credit Union has $450,000 in assets with $63,000 in equity, resulting in a capitalization level of 14.00%, which is excellent.

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