Abbott Laboratories Credit Union

Abbott Laboratories Credit Union is headquartered in Gurnee and is the 9^th largest credit union in the state of Illinois. It is also the 334^th largest credit union in the nation. It was established in 1990 and as of December of 2011, it had grown to 79 employees and 33,199 members. Abbott Laboratories Credit Union's savings rates are 4X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics ABBOTT LABORATORIES NCUA # 96071 BankRate Report View Year Chartered 1990 Employees 79 Primary Regulator Assets and Liabilities Assets $586.73 million Loans $279.89 million Deposits $528.71 million Equity Capital $56.29 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $1.40 million Real Estate Owned $461,000 Historic Data - December 2010 Assets $565.12 million Equity Capital $53.18 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $4.02 million Profit Margin - Quarterly Net Interest Margin 4.12% Return on Assets 0.43% Return on Equity 4.47% Interest Income $15.88 million Non-Interest Income $5.26 million

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 Abbott Laboratories Credit Union had $1.86 million in non-current loans and owned real-estate with $58.04 million in equity and loan loss allowances on hand to cover it. This gives Abbott Laboratories Credit Union a Texas Ratio of 3.21% 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 Abbott Laboratories Credit Union decreased significantly from 7.36% as of December 31, 2010 to 3.21% as of December 31, 2011, resulting in a positive change of 56.35%.This indicates that the balance sheet and financial strength for Abbott Laboratories Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Abbott Laboratories Credit Union has increased its total deposits by $17.35 million, resulting in 3.39% 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 Abbott Laboratories Credit Union has shown is above average. 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. Abbott Laboratories Credit Union has $586.73 million in assets with $58.04 million in equity, resulting in a capitalization level of 9.89%, which is average.

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