A M Castle Employees Credit Union

A M Castle Employees Credit Union is headquartered in Franklin Park and is the 286^th largest credit union in the state of Illinois. It is also the 6,382^nd largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 1 employees and 529 members. A M Castle Employees Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics A M CASTLE EMPLOYEES NCUA # 16277 BankRate Report View Year Chartered 1964 Employees 1 Primary Regulator Assets and Liabilities Assets $1.86 million Loans $798,000 Deposits $1.62 million Equity Capital $236,000 Loan Loss Allowance $21,000 Unbacked Noncurrent Loans $10,000 Historic Data - December 2010 Assets $1.77 million Equity Capital $241,000 Loan Loss Allowance $18,000 Unbacked Noncurrent Loans $10,000 Profit Margin - Quarterly Net Interest Margin 4.58% Return on Assets -0.27% Return on Equity -2.12% Interest Income $47,000 Non-Interest Income $2,000

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 A M Castle Employees Credit Union had $10,000 in non-current loans and owned real-estate with $257,000 in equity and loan loss allowances on hand to cover it. This gives A M Castle Employees Credit Union a Texas Ratio of 3.89% 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 A M Castle Employees Credit Union held steady from 3.86% as of December 31, 2010 to 3.89% as of December 31, 2011, resulting in a negative change of 0.78%. This indicates that the balance sheet and financial strength for A M Castle Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, A M Castle Employees Credit Union has increased its total deposits by $89,000, resulting in 5.82% 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 A M Castle Employees 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. A M Castle Employees Credit Union has $1.86 million in assets with $257,000 in equity, resulting in a capitalization level of 13.85%, which is excellent.

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