Standard Register Federal Credit Union

Standard Register Federal Credit Union is headquartered in Dayton and is the 103^rd largest credit union in the state of Ohio. It is also the 2,430^th largest credit union in the nation. It was established in 1936 and as of December of 2012, it had grown to 14 employees and 5,375 members. Standard Register Federal Credit Union has a 5-star health rating.

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Data for Q4 2012

Institution Statistics STANDARD REGISTER NCUA # 1380 BankRate Report View Year Chartered 1936 Employees 14 Primary Regulator Assets and Liabilities Assets $44.06 million Loans $25.17 million Deposits $36.44 million Equity Capital $7.41 million Loan Loss Allowance $431,000 Unbacked Noncurrent Loans $498,000 Historic Data - December 2011 Assets $46.03 million Equity Capital $7.30 million Loan Loss Allowance $556,000 Unbacked Noncurrent Loans $802,000 Real Estate Owned $21,000 Profit Margin - Quarterly Net Interest Margin 5.72% Return on Assets 0.25% Return on Equity 1.46% Interest Income $1.83 million Non-Interest Income $498,000

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, 2012 Standard Register Federal Credit Union had $498,000 in non-current loans and owned real-estate with $7.84 million in equity and loan loss allowances on hand to cover it. This gives Standard Register Federal Credit Union a Texas Ratio of 6.35% 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 Standard Register Federal Credit Union decreased slightly from 10.47% as of December 31, 2011 to 6.35% as of December 31, 2012, resulting in a positive change of 39.36%.This indicates that the balance sheet and financial strength for Standard Register Federal Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Standard Register Federal Credit Union has decreased its total deposits by -$1.69 million, resulting in -4.43% 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. 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. Standard Register Federal Credit Union has $44.06 million in assets with $7.84 million in equity, resulting in a capitalization level of 17.79%, which is excellent.