Central Credit Union Of Illinois

Central Credit Union Of Illinois is headquartered in Bellwood and is the 52^nd largest credit union in the state of Illinois. It is also the 1,664^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 31 employees and 13,845 members. Central Credit Union Of Illinois has a 5-star health rating.

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Data for Q4 2011

Institution Statistics CENTRAL CREDIT UNION OF ILLINOIS NCUA # 60852 BankRate Report View Year Chartered 1936 Employees 31 Primary Regulator Assets and Liabilities Assets $79.43 million Loans $52.47 million Deposits $71.47 million Equity Capital $6.73 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $469,000 Historic Data - December 2010 Assets $77.52 million Equity Capital $7.55 million Loan Loss Allowance $911,000 Unbacked Noncurrent Loans $1.02 million Profit Margin - Quarterly Net Interest Margin 5.41% Return on Assets -1.03% Return on Equity -12.16% Interest Income $3.15 million Non-Interest Income $1.05 million

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 Central Credit Union Of Illinois had $469,000 in non-current loans and owned real-estate with $7.79 million in equity and loan loss allowances on hand to cover it. This gives Central Credit Union Of Illinois a Texas Ratio of 6.02% 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 Central Credit Union Of Illinois decreased significantly from 12.07% as of December 31, 2010 to 6.02% as of December 31, 2011, resulting in a positive change of 50.14%.This indicates that the balance sheet and financial strength for Central Credit Union Of Illinois has improved significantly in recent periods. Deposit Growth In the past year, Central Credit Union Of Illinois has increased its total deposits by $2.74 million, resulting in 3.99% 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 Central Credit Union Of Illinois 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. Central Credit Union Of Illinois has $79.43 million in assets with $7.79 million in equity, resulting in a capitalization level of 9.81%, which is average.

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