Cardinal Community Credit Union

Cardinal Community Credit Union is headquartered in Mentor and is the 33^rd largest credit union in the state of Ohio. It is also the 1,031^st largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 49 employees and 17,812 members. Cardinal Community Credit Union's CD rates are 11% higher than the national average, and it has a 4-star health rating.

Cardinal Community Credit Union Routing Number: 241280430

Cardinal Community Credit Union Checking Account Rates

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Cardinal Community Credit Union CD Rates

Cardinal Community Credit Union IRA Rates

Data for Q4 2011

Institution Statistics CARDINAL COMMUNITY NCUA # 96753 BankRate Report View Year Chartered 1953 Employees 49 Primary Regulator Assets and Liabilities Assets $156.17 million Loans $94.29 million Deposits $137.22 million Equity Capital $17.32 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $2.24 million Real Estate Owned $118,000 Historic Data - December 2010 Assets $153.68 million Equity Capital $16.09 million Loan Loss Allowance $598,000 Unbacked Noncurrent Loans $679,000 Real Estate Owned $83,000 Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 0.58% Return on Equity 5.24% Interest Income $5.95 million Non-Interest Income $1.72 million

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 Cardinal Community Credit Union had $2.36 million in non-current loans and owned real-estate with $18.42 million in equity and loan loss allowances on hand to cover it. This gives Cardinal Community Credit Union a Texas Ratio of 12.80% 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 Cardinal Community Credit Union increased slightly from 4.57% as of December 31, 2010 to 12.80% as of December 31, 2011, resulting in a negative change of 180.28%. This indicates that the balance sheet and financial strength for Cardinal Community Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Cardinal Community Credit Union has increased its total deposits by $1.02 million, resulting in 0.75% 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 Cardinal Community Credit Union has shown is 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. Cardinal Community Credit Union has $156.17 million in assets with $18.42 million in equity, resulting in a capitalization level of 11.79%, which is above average.

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