Stcu

Stcu is headquartered in Springfield and is the 52^nd largest credit union in the state of Massachusetts. It is also the 1,317^st largest credit union in the nation. It was established in 1929 and as of December of 2011, it had grown to 27 employees and 16,096 members. Stcu has a 4-star health rating.

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Data for Q4 2011

Institution Statistics STCU NCUA # 61189 BankRate Report View Year Chartered 1929 Employees 27 Primary Regulator Assets and Liabilities Assets $112.49 million Loans $79.40 million Deposits $102.87 million Equity Capital $9.14 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $1.35 million Real Estate Owned $126,000 Historic Data - December 2010 Assets $110.26 million Equity Capital $8.20 million Loan Loss Allowance $655,000 Unbacked Noncurrent Loans $2.14 million Real Estate Owned $194,000 Profit Margin - Quarterly Net Interest Margin 4.41% Return on Assets 0.29% Return on Equity 3.54% Interest Income $5.15 million Non-Interest Income $744,000

Institution Health Overall Score: 4 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 Stcu had $1.48 million in non-current loans and owned real-estate with $10.15 million in equity and loan loss allowances on hand to cover it. This gives Stcu a Texas Ratio of 14.52% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Stcu decreased significantly from 26.40% as of December 31, 2010 to 14.52% as of December 31, 2011, resulting in a positive change of 44.99%.This indicates that the balance sheet and financial strength for Stcu has improved significantly in recent periods. Deposit Growth In the past year, Stcu has increased its total deposits by $1.05 million, resulting in 1.04% 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 Stcu 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. Stcu has $112.49 million in assets with $10.15 million in equity, resulting in a capitalization level of 9.03%, which is average.

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