Tiffin St. Joseph Credit Union

Tiffin St. Joseph Credit Union is headquartered in Tiffin and is the 102^nd largest credit union in the state of Ohio. It is also the 2,374^th largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 18 employees and 7,717 members. Tiffin St. Joseph Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics TIFFIN ST. JOSEPH NCUA # 7674 BankRate Report View Year Chartered 1952 Employees 18 Primary Regulator Assets and Liabilities Assets $45.06 million Loans $21.61 million Deposits $40.16 million Equity Capital $4.62 million Loan Loss Allowance $62,000 Unbacked Noncurrent Loans $431,000 Real Estate Owned $79,000 Historic Data - December 2010 Assets $42.89 million Equity Capital $4.59 million Loan Loss Allowance $64,000 Unbacked Noncurrent Loans $83,000 Real Estate Owned $25,000 Profit Margin - Quarterly Net Interest Margin 5.38% Return on Assets 0.08% Return on Equity 0.8% Interest Income $1.65 million Non-Interest Income $463,000

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 Tiffin St. Joseph Credit Union had $510,000 in non-current loans and owned real-estate with $4.69 million in equity and loan loss allowances on hand to cover it. This gives Tiffin St. Joseph Credit Union a Texas Ratio of 10.88% 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 Tiffin St. Joseph Credit Union increased slightly from 2.32% as of December 31, 2010 to 10.88% as of December 31, 2011, resulting in a negative change of 368.49%. This indicates that the balance sheet and financial strength for Tiffin St. Joseph Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Tiffin St. Joseph Credit Union has increased its total deposits by $2.02 million, resulting in 5.29% 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 Tiffin St. Joseph 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. Tiffin St. Joseph Credit Union has $45.06 million in assets with $4.69 million in equity, resulting in a capitalization level of 10.40%, which is above average.

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