Chaco Credit Union

100 S. 3rd Street
Hamilton, OH 45011
(513) 785-3500
www.chacocu.org

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Chaco Credit Union is headquartered in Hamilton and is the 32^nd largest credit union in the state of Ohio. It is also the 1,010^st largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 63 employees and 23,839 members. Chaco Credit Union has a 4-star health rating.

Chaco Credit Union Routing Number: 242278360

Top Mid-Term CD Rates at Chaco Credit Union in Ohio - Local Only - 11/2/2011

Chaco Credit Union is one of the few institutions which increased some of its CD rates in November. The most noteworthy rate increase was on the 37-month CD. Its rate went up to 2.02% APY which is ver ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Chaco Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	-	-	Members Choice Checking Account

Chaco Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	-	-	IRA Accumulation Account
0.25%	-	-	Roth IRA Accumulation Account
0.05%	-	-	Basic Shares Account

Chaco Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.35%	$100k	-	Classic Oak Money Market Account

Chaco Credit Union CD Rates

Apy	Min	Max	Product
2.25%	$500	-	72 Month CD
2.15%	$500	-	60 Month CD
2.02%	$500	-	49-59 Month CD
1.85%	$500	-	37-48 Month CD
1.65%	$500	-	31-36 Month CD
1.25%	$500	-	30 Month CD
1.00%	$500	-	24-29 Month CD
0.87%	$500	-	18-23 Month CD
0.57%	$500	-	12-17 Month CD
0.32%	$500	-	7-11 Month CD
0.27%	$500	-	6 Month CD
0.12%	$500	-	3 Month CD

Chaco Credit Union IRA Rates

Apy	Min	Max	Product
2.25%	$500	-	72 Month IRA
2.25%	$500	-	72 Month Roth IRA
2.15%	$500	-	60 Month IRA
2.15%	$500	-	60 Month Roth IRA
2.02%	$500	-	49-59 Month IRA
2.02%	$500	-	49-59 Month Roth IRA
1.85%	$500	-	37-48 Month IRA
1.85%	$500	-	37-48 Month Roth IRA
1.65%	$500	-	31-36 Month IRA
1.65%	$500	-	31-36 Month Roth IRA
1.25%	$500	-	30 Month IRA
1.25%	$500	-	30 Month Roth IRA
1.00%	$500	-	24-29 Month IRA
1.00%	$500	-	24-29 Month Roth IRA
0.87%	$500	-	18-23 Month IRA
0.87%	$500	-	18-23 Month Roth IRA
0.57%	$500	-	12-17 Month IRA
0.57%	$500	-	12-17 Month Roth IRA
0.32%	$500	-	7-11 Month IRA
0.32%	$500	-	7-11 Month Roth IRA
0.27%	$500	-	6 Month IRA
0.27%	$500	-	6 Month Roth IRA
0.12%	$500	-	3 Month IRA
0.12%	$500	-	3 Month Roth IRA

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

CHACO
NCUA #	60954
BankRate Report	View
Year Chartered	1938
Employees	63
Primary Regulator
Assets and Liabilities
Assets	$159.50 million
Loans	$119.53 million
Deposits	$142.41 million
Equity Capital	$13.57 million
Loan Loss Allowance	$1.40 million
Unbacked Noncurrent Loans	$1.42 million
Real Estate Owned	$270,000
Historic Data - December 2010
Assets	$149.44 million
Equity Capital	$13.51 million
Loan Loss Allowance	$1.22 million
Unbacked Noncurrent Loans	$3.14 million
Profit Margin - Quarterly
Net Interest Margin	4.84%
Return on Assets	0.04%
Return on Equity	0.43%
Interest Income	$6.99 million
Non-Interest Income	$3.50 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 Chaco Credit Union had $1.69 million in non-current loans and owned real-estate with $14.96 million in equity and loan loss allowances on hand to cover it. This gives Chaco Credit Union a Texas Ratio of 11.29% 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 Chaco Credit Union decreased significantly from 21.32% as of December 31, 2010 to 11.29% as of December 31, 2011, resulting in a positive change of 47.05%.This indicates that the balance sheet and financial strength for Chaco Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Chaco Credit Union has increased its total deposits by $10.01 million, resulting in 7.56% 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 Chaco Credit Union has shown is excellent.
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. Chaco Credit Union has $159.5 million in assets with $14.96 million in equity, resulting in a capitalization level of 9.38%, which is average.