The State Credit Union

The State Credit Union is headquartered in CHARLESTON and is the 15^st largest credit union in the state of West Virginia. It is also the 2,227^th largest credit union in the nation. It was established in 1988 and as of December of 2011, it had grown to 14 employees and 10,080 members. The State Credit Union has a 5-star health rating.

The State Credit Union Routing Number: 251984467

The State Credit Union Checking Account Rates

The State Credit Union Savings Account Rates

The State Credit Union CD Rates

The State Credit Union IRA Rates

Data for Q4 2011

Institution Statistics THE STATE NCUA # 67222 BankRate Report View Year Chartered 1988 Employees 14 Primary Regulator Assets and Liabilities Assets $50.43 million Loans $26.49 million Deposits $44.29 million Equity Capital $5.68 million Loan Loss Allowance $303,000 Unbacked Noncurrent Loans $114,000 Historic Data - December 2010 Assets $45.89 million Equity Capital $5.18 million Loan Loss Allowance $246,000 Unbacked Noncurrent Loans $100,000 Profit Margin - Quarterly Net Interest Margin 5.96% Return on Assets 0.99% Return on Equity 8.83% Interest Income $1.88 million Non-Interest Income $663,000

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 The State Credit Union had $114,000 in non-current loans and owned real-estate with $5.98 million in equity and loan loss allowances on hand to cover it. This gives The State Credit Union a Texas Ratio of 1.91% 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 The State Credit Union held steady from 1.84% as of December 31, 2010 to 1.91% as of December 31, 2011, resulting in a negative change of 3.36%. This indicates that the balance sheet and financial strength for The State Credit Union has held steady in recent periods. Deposit Growth In the past year, The State Credit Union has increased its total deposits by $3.95 million, resulting in 9.8% 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 The State Credit Union has shown is excellent. 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. The State Credit Union has $50.43 million in assets with $5.98 million in equity, resulting in a capitalization level of 11.86%, which is above average.

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