Catholic and Community Credit Union

Catholic and Community Credit Union is headquartered in Shiloh and is the 45^th largest credit union in the state of Illinois. It is also the 1,411^st largest credit union in the nation. It was established in 1938 and as of September of 2011, it had grown to 29 employees and 12,232 members. Catholic and Community Credit Union has a 5-star health rating.

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Data for Q3 2011

Institution Statistics CATHOLIC & COMMUNITY NCUA # 65735 BankRate Report View Year Established 1938 Employees 29 Primary Regulator Assets and Liabilities Assets $101.78 million Loans $48.38 million Deposits $92.34 million Equity Capital $8.95 million Loan Loss Allowance $356,000 Unbacked Noncurrent Loans $376,000 Historic Data - September 2010 Assets $97.32 million Equity Capital $8.21 million Loan Loss Allowance $276,000 Unbacked Noncurrent Loans $220,000 Real Estate Owned $12,000 Profit Margin - Quarterly Net Interest Margin 3.18% Return on Assets 0.56% Return on Equity 6.39% Interest Income $3.07 million Non-Interest Income $609,000

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 September 30, 2011 Catholic and Community Credit Union had $376,000 in non-current loans and owned real-estate with $9.3 million in equity and loan loss allowances on hand to cover it. This gives Catholic and Community Credit Union a Texas Ratio of 4.04% 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 Catholic and Community Credit Union held steady from 2.74% as of September 30, 2010 to 4.04% as of September 30, 2011, resulting in a negative change of 47.72%. This indicates that the balance sheet and financial strength for Catholic and Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Catholic and Community Credit Union has increased its total deposits by $3.56 million, resulting in 4.02% 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 Catholic and Community 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. Catholic and Community Credit Union has $101.78 million in assets with $9.3 million in equity, resulting in a capitalization level of 9.14%, which is average.

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