Abri Credit Union

1350 West Renwick Road
Romeoville, IL 60446
(815) 267-7700
www.abricu.com

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Abri Credit Union is headquartered in ROMEOVILLE and is the 20^th largest credit union in the state of Illinois. It is also the 649^th largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 82 employees and 27,579 members. Abri Credit Union has a 5-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Abri Credit Union Checking Account Rates

Apy	Min	Max	Product
0.40%	$10k	-	Advantage Checking
0.10%	$500	-	Dividend Checking

Abri Credit Union Savings Account Rates

Apy	Min	Max	Product
0.45%	-	-	IRA
0.45%	-	-	Health Savings Account
0.45%	-	-	Roth IRA
0.45%	-	-	Coverdell ESA
0.10%	-	-	Savings Account
0.10%	-	-	Club Savings
0.10%	-	-	Escrow Account
0.10%	-	-	Christmas Club

Abri Credit Union Money Market Rates

Apy	Min	Max	Product
0.65%	$100k	-	Premier Plus Money Market Account
0.50%	$50k	-	Premier Money Market Account

Abri Credit Union CD Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month Share Certificate
1.20%	$500	-	48 Month Share Certificate
0.90%	$500	-	36 Month Share Certificate
0.60%	$500	-	24 Month Share Certificate
0.50%	$10k	-	15 Month Share Certificate
0.30%	$500	-	12 Month Share Certificate
0.20%	$500	-	6 Month Share Certificate

Abri Credit Union IRA Rates

Apy	Min	Max	Product
1.50%	$500	-	60 Month IRA
1.50%	$500	-	60 Month Health Savings Certificate
1.50%	$500	-	60 Month Roth IRA
1.50%	$500	-	60 Month Coverdell ESA
1.20%	$500	-	48 Month IRA
1.20%	$500	-	48 Month Health Savings Certificate
1.20%	$500	-	48 Month Roth IRA
1.20%	$500	-	48 Month Coverdell ESA
0.90%	$500	-	36 Month IRA
0.90%	$500	-	36 Month Health Savings Certificate
0.90%	$500	-	36 Month Roth IRA
0.90%	$500	-	36 Month Coverdell ESA
0.60%	$500	-	24 Month IRA
0.60%	$500	-	24 Month Health Savings Certificate
0.60%	$500	-	24 Month Roth IRA
0.60%	$500	-	24 Month Coverdell ESA
0.50%	$10k	-	15 Month IRA
0.50%	$10k	-	15 Month Health Savings Certificate
0.50%	$10k	-	15 Month Roth IRA
0.50%	$10k	-	15 Month Coverdell ESA
0.30%	$500	-	12 Month IRA
0.30%	$500	-	12 Month Health Savings Certificate
0.30%	$500	-	12 Month Roth IRA
0.30%	$500	-	12 Month Coverdell ESA
0.20%	$500	-	6 Month IRA
0.20%	$500	-	6 Month Health Savings Certificate
0.20%	$500	-	6 Month Roth IRA
0.20%	$500	-	6 Month Coverdell ESA

Rates updated: 5/22/2012

Data for Q4 2011

Institution Statistics

ABRI
NCUA #	97086
BankRate Report	View
Year Chartered	1949
Employees	82
Primary Regulator
Assets and Liabilities
Assets	$290.73 million
Loans	$144.68 million
Deposits	$261.57 million
Equity Capital	$27.45 million
Loan Loss Allowance	$1.53 million
Unbacked Noncurrent Loans	$2.21 million
Historic Data - December 2010
Assets	$279.06 million
Equity Capital	$26.79 million
Loan Loss Allowance	$1.05 million
Unbacked Noncurrent Loans	$3.71 million
Profit Margin - Quarterly
Net Interest Margin	5.82%
Return on Assets	0.21%
Return on Equity	2.27%
Interest Income	$11.34 million
Non-Interest Income	$2.78 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 Abri Credit Union had $2.21 million in non-current loans and owned real-estate with $28.98 million in equity and loan loss allowances on hand to cover it. This gives Abri Credit Union a Texas Ratio of 7.63% 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 Abri Credit Union decreased significantly from 13.34% as of December 31, 2010 to 7.63% as of December 31, 2011, resulting in a positive change of 42.77%.This indicates that the balance sheet and financial strength for Abri Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Abri Credit Union has increased its total deposits by $11 million, resulting in 4.39% 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 Abri 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. Abri Credit Union has $290.73 million in assets with $28.98 million in equity, resulting in a capitalization level of 9.97%, which is average.

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