Blaw-Knox Credit Union

Blaw-Knox Credit Union is headquartered in Mattoon and is the 200^th largest credit union in the state of Illinois. It is also the 5,050^th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 4 employees and 2,076 members. Blaw-Knox Credit Union's savings rates are 2X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics BLAW-KNOX NCUA # 60302 BankRate Report View Year Chartered 1957 Employees 4 Primary Regulator Assets and Liabilities Assets $7.39 million Loans $5.22 million Deposits $6.05 million Equity Capital $1.33 million Loan Loss Allowance $149,000 Unbacked Noncurrent Loans $17,000 Historic Data - December 2010 Assets $6.76 million Equity Capital $1.25 million Loan Loss Allowance $165,000 Unbacked Noncurrent Loans $53,000 Profit Margin - Quarterly Net Interest Margin 6.22% Return on Assets 1.01% Return on Equity 5.66% Interest Income $399,000 Non-Interest Income $27,000

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 Blaw-Knox Credit Union had $17,000 in non-current loans and owned real-estate with $1.48 million in equity and loan loss allowances on hand to cover it. This gives Blaw-Knox Credit Union a Texas Ratio of 1.15% 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 Blaw-Knox Credit Union decreased significantly from 3.75% as of December 31, 2010 to 1.15% as of December 31, 2011, resulting in a positive change of 69.23%.This indicates that the balance sheet and financial strength for Blaw-Knox Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Blaw-Knox Credit Union has increased its total deposits by $563,000, resulting in 10.26% 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 Blaw-Knox 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. Blaw-Knox Credit Union has $7.39 million in assets with $1.48 million in equity, resulting in a capitalization level of 19.95%, which is excellent.

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