St. Stephen's Credit Union

St. Stephen's Credit Union is headquartered in Houston and is the 510^st largest credit union in the state of Texas. It is also the 6,702^nd largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to employees and 581 members. St. Stephen's Credit Union has a 2-star health rating.

Data for Q4 2011

Institution Statistics ST. STEPHEN'S NCUA # 11624 BankRate Report View Year Chartered 1957 Employees 0 Primary Regulator Assets and Liabilities Assets $1.00 million Loans $607,000 Deposits $579,000 Equity Capital $416,000 Loan Loss Allowance $83,000 Unbacked Noncurrent Loans $172,000 Historic Data - December 2010 Assets $1.11 million Equity Capital $480,000 Loan Loss Allowance $33,000 Unbacked Noncurrent Loans $78,000 Profit Margin - Quarterly Net Interest Margin 11% Return on Assets -6.29% Return on Equity -15.14% Interest Income $72,000 Non-Interest Income $5,000

Institution Health Overall Score: 2 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. Stephen's Credit Union had $172,000 in non-current loans and owned real-estate with $499,000 in equity and loan loss allowances on hand to cover it. This gives St. Stephen's Credit Union a Texas Ratio of 34.47% 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. Stephen's Credit Union increased slightly from 15.20% as of December 31, 2010 to 34.47% as of December 31, 2011, resulting in a negative change of 126.70%. This indicates that the balance sheet and financial strength for St. Stephen's Credit Union has declined slightly in recent periods. Deposit Growth In the past year, St. Stephen's Credit Union has decreased its total deposits by $-40,000, resulting in -6.46% 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. Stephen's 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. Stephen's Credit Union has $1 million in assets with $499,000 in equity, resulting in a capitalization level of 49.85%, which is excellent.

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