Cerrobrass Credit Union

Cerrobrass Credit Union is headquartered in Sauget and is the 326^th largest credit union in the state of Illinois. It is also the 6,920^th largest credit union in the nation. It was established in 1954 and as of December of 2011, it had grown to employees and 189 members. Cerrobrass Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics CERROBRASS NCUA # 60130 BankRate Report View Year Chartered 1954 Employees 0 Primary Regulator Assets and Liabilities Assets $542,000 Loans $113,000 Deposits $371,000 Equity Capital $170,000 Loan Loss Allowance $21,000 Unbacked Noncurrent Loans $1,000 Historic Data - December 2010 Assets $551,000 Equity Capital $188,000 Loan Loss Allowance $21,000 Unbacked Noncurrent Loans $3,000 Profit Margin - Quarterly Net Interest Margin 11.5% Return on Assets -3.32% Return on Equity -10.59% Interest Income $15,000

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 Cerrobrass Credit Union had $1,000 in non-current loans and owned real-estate with $191,000 in equity and loan loss allowances on hand to cover it. This gives Cerrobrass Credit Union a Texas Ratio of 0.52% 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 Cerrobrass Credit Union decreased significantly from 1.44% as of December 31, 2010 to 0.52% as of December 31, 2011, resulting in a positive change of 63.53%.This indicates that the balance sheet and financial strength for Cerrobrass Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Cerrobrass Credit Union has increased its total deposits by $9,000, resulting in 2.49% 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 Cerrobrass 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. Cerrobrass Credit Union has $542,000 in assets with $191,000 in equity, resulting in a capitalization level of 35.24%, which is excellent.

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