St. Pius X Church Credit Union

St. Pius X Church Credit Union is headquartered in Rochester and is the 94^th largest credit union in the state of New York. It is also the 2,039^th largest credit union in the nation. It was established in 1967 and as of December of 2011, it had grown to 10 employees and 5,337 members. St. Pius X Church Credit Union's money market rates are 2X the national average, and it has a 3-star health rating.

St. Pius X Church Credit Union Checking Account Rates

St. Pius X Church Credit Union Savings Account Rates

St. Pius X Church Credit Union Money Market Rates

St. Pius X Church Credit Union CD Rates

Data for Q4 2011

Institution Statistics ST. PIUS X CHURCH NCUA # 18090 BankRate Report View Year Chartered 1967 Employees 10 Primary Regulator Assets and Liabilities Assets $58.44 million Loans $45.78 million Deposits $52.87 million Equity Capital $5.50 million Loan Loss Allowance $378,000 Unbacked Noncurrent Loans $2.57 million Real Estate Owned $150,000 Historic Data - December 2010 Assets $51.07 million Equity Capital $5.09 million Loan Loss Allowance $195,000 Unbacked Noncurrent Loans $2.14 million Profit Margin - Quarterly Net Interest Margin 4.82% Return on Assets 0.7% Return on Equity 7.49% Interest Income $2.83 million Non-Interest Income $342,000

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. Pius X Church Credit Union had $2.72 million in non-current loans and owned real-estate with $5.88 million in equity and loan loss allowances on hand to cover it. This gives St. Pius X Church Credit Union a Texas Ratio of 46.33% 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. Pius X Church Credit Union held steady from 40.48% as of December 31, 2010 to 46.33% as of December 31, 2011, resulting in a negative change of 14.44%. This indicates that the balance sheet and financial strength for St. Pius X Church Credit Union has held steady in recent periods. Deposit Growth In the past year, St. Pius X Church Credit Union has increased its total deposits by $6.98 million, resulting in 15.2% 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. Pius X Church 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. Pius X Church Credit Union has $58.44 million in assets with $5.88 million in equity, resulting in a capitalization level of 10.06%, which is above average.

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