C T A F C Credit Union

C T A F C Credit Union is headquartered in CHICAGO and is the 306^th largest credit union in the state of Illinois. It is also the 6,667^th largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to employees and 580 members. C T A F C Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics C T A F C NCUA # 18882 BankRate Report View Year Chartered 1968 Employees 0 Primary Regulator Assets and Liabilities Assets $1.08 million Loans $305,000 Deposits $940,000 Equity Capital $138,000 Loan Loss Allowance $13,000 Unbacked Noncurrent Loans $13,000 Historic Data - December 2010 Assets $1.04 million Equity Capital $134,000 Loan Loss Allowance $13,000 Unbacked Noncurrent Loans $14,000 Profit Margin - Quarterly Net Interest Margin 8.33% Return on Assets 0.37% Return on Equity 2.9% Interest Income $32,000 Non-Interest Income $4,000

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 C T A F C Credit Union had $13,000 in non-current loans and owned real-estate with $151,000 in equity and loan loss allowances on hand to cover it. This gives C T A F C Credit Union a Texas Ratio of 8.61% 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 T A F C Credit Union held steady from 9.52% as of December 31, 2010 to 8.61% as of December 31, 2011, resulting in a positive change of 9.60%.This indicates that the balance sheet and financial strength for C T A F C Credit Union has held steady in recent periods. Deposit Growth In the past year, C T A F C Credit Union has increased its total deposits by $36,000, resulting in 3.98% 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 T A F C 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. C T A F C Credit Union has $1.08 million in assets with $151,000 in equity, resulting in a capitalization level of 13.98%, which is excellent.

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