Alton Bell Community Credit Union

Alton Bell Community Credit Union is headquartered in Alton and is the 262^nd largest credit union in the state of Illinois. It is also the 6,080^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 3 employees and 558 members. Alton Bell Community Credit Union has a 3-star health rating.

Alton Bell Community Credit Union Routing Number: 281076125

Alton Bell Community Credit Union Savings Account Rates

Alton Bell Community Credit Union Money Market Rates

Data for Q4 2011

Institution Statistics ALTON BELL COMMUNITY NCUA # 65348 BankRate Report View Year Chartered 1940 Employees 3 Primary Regulator Assets and Liabilities Assets $2.84 million Loans $2.05 million Deposits $2.31 million Equity Capital $525,000 Loan Loss Allowance $94,000 Unbacked Noncurrent Loans $262,000 Historic Data - December 2010 Assets $2.60 million Equity Capital $667,000 Loan Loss Allowance $26,000 Unbacked Noncurrent Loans $28,000 Profit Margin - Quarterly Net Interest Margin 7.8% Return on Assets -5% Return on Equity -27.05% Interest Income $183,000 Non-Interest Income $50,000

Institution Health Overall Score: 3 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 Alton Bell Community Credit Union had $262,000 in non-current loans and owned real-estate with $619,000 in equity and loan loss allowances on hand to cover it. This gives Alton Bell Community Credit Union a Texas Ratio of 42.33% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alton Bell Community Credit Union increased slightly from 4.04% as of December 31, 2010 to 42.33% as of December 31, 2011, resulting in a negative change of 947.58%. This indicates that the balance sheet and financial strength for Alton Bell Community Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Alton Bell Community Credit Union has increased its total deposits by $426,000, resulting in 22.6% 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 Alton Bell Community 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. Alton Bell Community Credit Union has $2.84 million in assets with $619,000 in equity, resulting in a capitalization level of 21.81%, which is excellent.

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