Valley Council Credit Union

Valley Council Credit Union is headquartered in Cincinnati and is the 281^st largest credit union in the state of Ohio. It is also the 5,660^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 1 employees and 1,323 members. Valley Council Credit Union has a 5-star health rating.

Valley Council Credit Union Routing Number: 242077532

Valley Council Credit Union Savings Account Rates

Valley Council Credit Union CD Rates

Data for Q4 2011

Institution Statistics VALLEY COUNCIL NCUA # 63510 BankRate Report View Year Chartered 1958 Employees 1 Primary Regulator Assets and Liabilities Assets $4.39 million Loans $3.00 million Deposits $3.80 million Equity Capital $546,000 Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $4,000 Historic Data - December 2010 Assets $3.93 million Equity Capital $539,000 Loan Loss Allowance $10,000 Profit Margin - Quarterly Net Interest Margin 5.04% Return on Assets 0.14% Return on Equity 1.1% Interest Income $174,000 Non-Interest Income $6,000

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 Valley Council Credit Union had $4,000 in non-current loans and owned real-estate with $556,000 in equity and loan loss allowances on hand to cover it. This gives Valley Council Credit Union a Texas Ratio of 0.72% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Valley Council Credit Union has increased its total deposits by $442,000, resulting in 13.17% 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 Valley Council 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. Valley Council Credit Union has $4.38 million in assets with $556,000 in equity, resulting in a capitalization level of 12.68%, which is excellent.

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