St. Therese/Ss. Peter & Paul Credit Union

St. Therese/Ss. Peter & Paul Credit Union is headquartered in GARFIELD HTS and is the 171^st largest credit union in the state of Ohio. It is also the 3,587^th largest credit union in the nation. It was established in 1942 and as of December of 2011, it had grown to 3 employees and 2,548 members. St. Therese/Ss. Peter & Paul Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

St. Therese/Ss. Peter & Paul Credit Union Checking Account Rates

St. Therese/Ss. Peter & Paul Credit Union Savings Account Rates

St. Therese/Ss. Peter & Paul Credit Union Money Market Rates

St. Therese/Ss. Peter & Paul Credit Union CD Rates

Data for Q4 2011

Institution Statistics ST. THERESE/SS. PETER & PAUL NCUA # 4845 BankRate Report View Year Chartered 1942 Employees 3 Primary Regulator Assets and Liabilities Assets $19.62 million Loans $4.96 million Deposits $16.65 million Equity Capital $2.94 million Loan Loss Allowance $66,000 Unbacked Noncurrent Loans $24,000 Historic Data - December 2010 Assets $19.57 million Equity Capital $3.05 million Loan Loss Allowance $45,000 Unbacked Noncurrent Loans $85,000 Real Estate Owned $22,000 Profit Margin - Quarterly Net Interest Margin 5.3% Return on Assets -0.58% Return on Equity -3.88% Interest Income $527,000 Non-Interest Income $40,000

Institution Health Overall Score: 5 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. Therese/Ss. Peter & Paul Credit Union had $24,000 in non-current loans and owned real-estate with $3 million in equity and loan loss allowances on hand to cover it. This gives St. Therese/Ss. Peter & Paul Credit Union a Texas Ratio of 0.80% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for St. Therese/Ss. Peter & Paul Credit Union decreased significantly from 3.46% as of December 31, 2010 to 0.80% as of December 31, 2011, resulting in a positive change of 76.88%.This indicates that the balance sheet and financial strength for St. Therese/Ss. Peter & Paul Credit Union has improved significantly in recent periods. Deposit Growth In the past year, St. Therese/Ss. Peter & Paul Credit Union has increased its total deposits by $167,000, resulting in 1.01% 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. Therese/Ss. Peter & Paul Credit Union has shown is above 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. Therese/Ss. Peter & Paul Credit Union has $19.62 million in assets with $3 million in equity, resulting in a capitalization level of 15.30%, which is excellent.

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