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Winslow School Employees Credit Union

Winslow School Employees Credit Union
Overview / Commentary
1520 W Third St
Winslow, AZ 86047

Winslow School Employees Credit Union is headquartered in Winslow and is the 42nd largest credit union in the state of Arizona. It is also the 5,384th largest credit union in the nation. It was established in 1956 and as of December of 2013, it had grown to 2 employees and 534 members. Winslow School Employees Credit Union has a B health rating.

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Health

Data for Q4 2013

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Winslow School Employees Credit Union has a very low asset base.

Texas Ratio

GRADE:
A+

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, 2013 Winslow School Employees Credit Union had $38,000 in non-current loans and owned real-estate with $612,000 in equity and loan loss allowances on hand to cover it. This gives Winslow School Employees Credit Union a Texas Ratio of 6.21% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Winslow School Employees Credit Union experienced no significant changes from 1.53% as of December 31, 2012 to 6.21% as of December 31, 2013, resulting in a negative change of 305.66%. This indicates that the balance sheet and financial strength for Winslow School Employees Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Winslow School Employees Credit Union has increased its total deposits by $372,000, resulting in 10.46% 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 Winslow School Employees Credit Union has shown is excellent.

Capitalization

GRADE:
A+

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. Winslow School Employees Credit Union has $4.51 million in assets with $612,000 in equity, resulting in a capitalization level of 13.57%, which is excellent.

Institution Statistics

Overall
NCUA #11459
Year Chartered1956
Employees2
Primary Regulator
Assets and Liabilities
Assets$4.51 million
Loans$1.91 million
Deposits$3.93 million
Equity Capital$570,000
Loan Loss Allowance$42,000
Unbacked Noncurrent Loans$38,000
Real Estate Owned$0
Historic Data - December 2012
Assets$4.12 million
Equity Capital$548,000
Loan Loss Allowance$40,000
Unbacked Noncurrent Loans$38,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.98%
Return on Assets0.49%
Return on Equity3.86%
Interest Income$141,000
Rates

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Locations


Winslow School Employees Credit Union Locations
Branch Office1520 W Third StWinslow, AZ 86047-2920