C & Nw Proviso Credit Union

C & Nw Proviso Credit Union is headquartered in Northlake and is the 272^nd largest credit union in the state of Illinois. It is also the 6,187^th largest credit union in the nation. It was established in 1967 and as of December of 2011, it had grown to 2 employees and 1,404 members. C & Nw Proviso Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics C & NW PROVISO NCUA # 60439 BankRate Report View Year Chartered 1967 Employees 2 Primary Regulator Assets and Liabilities Assets $2.46 million Loans $1.30 million Deposits $2.22 million Equity Capital $236,000 Loan Loss Allowance $38,000 Unbacked Noncurrent Loans $22,000 Historic Data - December 2010 Assets $2.31 million Equity Capital $230,000 Loan Loss Allowance $44,000 Unbacked Noncurrent Loans $39,000 Profit Margin - Quarterly Net Interest Margin 9.44% Return on Assets 0.28% Return on Equity 2.97% Interest Income $138,000 Non-Interest Income $12,000

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 C & Nw Proviso Credit Union had $22,000 in non-current loans and owned real-estate with $274,000 in equity and loan loss allowances on hand to cover it. This gives C & Nw Proviso Credit Union a Texas Ratio of 8.03% 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 C & Nw Proviso Credit Union decreased significantly from 14.23% as of December 31, 2010 to 8.03% as of December 31, 2011, resulting in a positive change of 43.59%.This indicates that the balance sheet and financial strength for C & Nw Proviso Credit Union has improved significantly in recent periods. Deposit Growth In the past year, C & Nw Proviso Credit Union has increased its total deposits by $146,000, resulting in 7.05% 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 C & Nw Proviso 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. C & Nw Proviso Credit Union has $2.46 million in assets with $274,000 in equity, resulting in a capitalization level of 11.12%, which is above average.

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