Advantage One CU (IL)

Advantage One CU (IL) is headquartered in Morrison and is the 122^nd largest credit union in the state of Illinois. It is also the 3,723^rd largest credit union in the nation. It was established in 1960 and as of December of 2011, it had grown to 5 employees and 2,680 members. Advantage One CU (IL)'s savings rates are 44% higher than the national average, and it has a 4-star health rating.

Advantage One CU (IL) Savings Account Rates

Advantage One CU (IL) Money Market Rates

Advantage One CU (IL) CD Rates

Data for Q4 2011

Institution Statistics ADVANTAGE ONE NCUA # 68343 BankRate Report View Year Chartered 1960 Employees 5 Primary Regulator Assets and Liabilities Assets $17.98 million Loans $9.15 million Deposits $15.95 million Equity Capital $1.94 million Loan Loss Allowance $188,000 Unbacked Noncurrent Loans $228,000 Real Estate Owned $84,000 Historic Data - December 2010 Assets $17.64 million Equity Capital $1.89 million Loan Loss Allowance $188,000 Unbacked Noncurrent Loans $270,000 Profit Margin - Quarterly Net Interest Margin 6.51% Return on Assets 0.27% Return on Equity 2.47% Interest Income $693,000 Non-Interest Income $100,000

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 Advantage One CU (IL) had $312,000 in non-current loans and owned real-estate with $2.13 million in equity and loan loss allowances on hand to cover it. This gives Advantage One CU (IL) a Texas Ratio of 14.65% 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 Advantage One CU (IL) held steady from 12.98% as of December 31, 2010 to 14.65% as of December 31, 2011, resulting in a negative change of 12.90%. This indicates that the balance sheet and financial strength for Advantage One CU (IL) has held steady in recent periods. Deposit Growth In the past year, Advantage One CU (IL) has increased its total deposits by $264,000, resulting in 1.68% 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 Advantage One CU (IL) 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. Advantage One CU (IL) has $17.98 million in assets with $2.13 million in equity, resulting in a capitalization level of 11.84%, which is above average.

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