St. Paul Credit Union

St. Paul Credit Union is headquartered in Saint Paul and is the 30^th largest credit union in the state of Minnesota. It is also the 1,306^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 22 employees and 10,553 members. St. Paul Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics ST. PAUL NCUA # 24358 BankRate Report View Year Chartered 1953 Employees 22 Primary Regulator Assets and Liabilities Assets $113.85 million Loans $97.80 million Deposits $102.55 million Equity Capital $10.90 million Loan Loss Allowance $3.91 million Unbacked Noncurrent Loans $3.32 million Real Estate Owned $516,000 Historic Data - December 2010 Assets $117.46 million Equity Capital $11.78 million Loan Loss Allowance $3.61 million Unbacked Noncurrent Loans $6.19 million Real Estate Owned $510,000 Profit Margin - Quarterly Net Interest Margin 4.77% Return on Assets -0.78% Return on Equity -8.14% Interest Income $5.82 million Non-Interest Income $1.49 million

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. Paul Credit Union had $3.84 million in non-current loans and owned real-estate with $14.8 million in equity and loan loss allowances on hand to cover it. This gives St. Paul Credit Union a Texas Ratio of 25.93% 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. Paul Credit Union decreased significantly from 43.50% as of December 31, 2010 to 25.93% as of December 31, 2011, resulting in a positive change of 40.39%.This indicates that the balance sheet and financial strength for St. Paul Credit Union has improved significantly in recent periods. Deposit Growth In the past year, St. Paul Credit Union has decreased its total deposits by $-863,000, resulting in -0.83% 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. Paul Credit Union has shown is 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. Paul Credit Union has $113.85 million in assets with $14.8 million in equity, resulting in a capitalization level of 13.00%, which is excellent.

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