Archer Heights Credit Union

Archer Heights Credit Union is headquartered in Chicago and is the 151^st largest credit union in the state of Illinois. It is also the 4,175^th largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to 6 employees and 3,093 members. Archer Heights Credit Union's savings rates are 73% higher than the national average, and it has a 4-star health rating.

Archer Heights Credit Union Routing Number: 271077257

Archer Heights Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics ARCHER HEIGHTS NCUA # 63125 BankRate Report View Year Chartered 1965 Employees 6 Primary Regulator Assets and Liabilities Assets $13.32 million Loans $8.53 million Deposits $11.72 million Equity Capital $1.56 million Loan Loss Allowance $279,000 Unbacked Noncurrent Loans $310,000 Historic Data - December 2010 Assets $13.15 million Equity Capital $1.67 million Loan Loss Allowance $204,000 Unbacked Noncurrent Loans $40,000 Profit Margin - Quarterly Net Interest Margin 5.22% Return on Assets -0.79% Return on Equity -6.74% Interest Income $589,000 Non-Interest Income $122,000

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 Archer Heights Credit Union had $310,000 in non-current loans and owned real-estate with $1.84 million in equity and loan loss allowances on hand to cover it. This gives Archer Heights Credit Union a Texas Ratio of 16.87% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Archer Heights Credit Union increased slightly from 2.14% as of December 31, 2010 to 16.87% as of December 31, 2011, resulting in a negative change of 688.07%. This indicates that the balance sheet and financial strength for Archer Heights Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Archer Heights Credit Union has increased its total deposits by $281,000, resulting in 2.46% 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 Archer Heights 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. Archer Heights Credit Union has $13.32 million in assets with $1.84 million in equity, resulting in a capitalization level of 13.79%, which is excellent.

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