Standard Register Federal Credit Union is headquartered in Dayton and is the 107th largest credit union in the state of Ohio. It is also the 2,489th largest credit union in the nation. It was established in 1936 and as of March of 2014, it had grown to 15 employees and 4,859 members. Standard Register Federal Credit Union has a B+ health rating.
Membership is open to persons who live, work, worship or attend school in, and businesses and other legal entities located in Montgomery or Greene Counties, Ohio. In addition, spouses of persons who died while within the field of membership of this credit union; members of the immediate family; and organizations of such persons may also join. - See Details
I have been a member of the credit union since 1986. Excellent, personal service. Great staff, very friendly and helpful. You are not just a number to them. I recommend highly and have done so to many coworkers, family and friends.
I'm from Missouri, so you have to "show me" and they did!!!
The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Standard Register Federal Credit Union had $254,000 in non-current loans and owned real-estate with $7.76 million in equity and loan loss allowances on hand to cover it. This gives Standard Register Federal Credit Union a Texas Ratio of 3.27% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Standard Register Federal Credit Union decreased dramatically from 6.33% as of March 31, 2013 to 3.27% as of March 31, 2014, resulting in a positive change of 48.33%.This indicates that the balance sheet and financial strength for Standard Register Federal Credit Union has improved dramatically in recent periods.
In the past year, Standard Register Federal Credit Union has decreased its total deposits by -$1.42 million, resulting in -3.86% 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 Standard Register Federal Credit Union has shown is below average.
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. Standard Register Federal Credit Union has $43.09 million in assets with $7.76 million in equity, resulting in a capitalization level of 18.02%, which is excellent.
|Assets and Liabilities|
|Equity Capital||$7.48 million|
|Loan Loss Allowance||$283,000|
|Unbacked Noncurrent Loans||$224,000|
|Real Estate Owned||$30,000|
|Historic Data - March 2013|
|Equity Capital||$7.37 million|
|Loan Loss Allowance||$475,000|
|Unbacked Noncurrent Loans||$224,000|
|Real Estate Owned||$0|
|Profit Margin - Quarterly|
|Net Interest Margin||1.27%|
|Return on Assets||0.46%|
|Return on Equity||2.67%|
Always verify rates and promotions with the bank or credit union. We are not Standard Register Federal Credit Union, we are a rate comparison website and can not provide official rates or promotions.
|0.25%||-||-||Contributory Roth IRA|
|0.50%||-||$10k||Reward Checking - Qualifying|
|0.05%||-||-||Reward Checking - Non Qualifying|
|1.31%||$500||-||60 Month CD|
|1.21%||$500||-||54 Month CD|
|1.10%||$500||-||48 Month CD|
|1.00%||$500||-||42 Month CD|
|0.90%||$500||-||36 Month CD|
|0.75%||$500||-||30 Month CD|
|0.60%||$500||-||24 Month CD|
|0.50%||$500||-||18 Month CD|
|0.40%||$500||-||12 Month CD|
|0.20%||$500||-||6 Month CD - Dividends paid at maturity|
|0.20%||$500||-||6 Month CD - Dividends paid monthly|
|0.15%||$500||-||3 Month CD - Dividends paid at maturity|
|0.15%||$500||-||3 Month CD - Dividends paid monthly|
|1.31%||$500||-||60 Month IRA|
|1.21%||$500||-||54 Month IRA|
|1.10%||$500||-||48 Month IRA|
|1.00%||$500||-||42 Month IRA|
|0.90%||$500||-||36 Month IRA|
|0.75%||$500||-||30 Month IRA|
|0.60%||$500||-||24 Month IRA|
|0.60%||$500||-||18 Months Contributory IRA|
|0.50%||$500||-||18 Month IRA|
|0.40%||$500||-||12 Month IRA|
|Standard Register Federal Credit Union Locations|
|Branch Office||175 Campbell St||Dayton, OH 45417-3965|
|Branch Office||3790 Symmes Rd||Hamilton, OH 45015-1372|