Clifford-Jacobs Employees Credit Union

Clifford-Jacobs Employees Credit Union is headquartered in CHAMPAIGN and is the 274^th largest credit union in the state of Illinois. It is also the 6,241^st largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to employees and 279 members. Clifford-Jacobs Employees Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics CLIFFORD-JACOBS EMPLOYEES NCUA # 60627 BankRate Report View Year Chartered 1956 Employees 0 Primary Regulator Assets and Liabilities Assets $2.29 million Loans $830,000 Deposits $1.84 million Equity Capital $445,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $19,000 Historic Data - December 2010 Assets $2.03 million Equity Capital $449,000 Loan Loss Allowance $34,000 Unbacked Noncurrent Loans $86,000 Profit Margin - Quarterly Net Interest Margin 9.57% Return on Assets -0.17% Return on Equity -0.9% Interest Income $97,000 Non-Interest Income $1,000

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 Clifford-Jacobs Employees Credit Union had $19,000 in non-current loans and owned real-estate with $454,000 in equity and loan loss allowances on hand to cover it. This gives Clifford-Jacobs Employees Credit Union a Texas Ratio of 4.19% 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 Clifford-Jacobs Employees Credit Union decreased significantly from 17.81% as of December 31, 2010 to 4.19% as of December 31, 2011, resulting in a positive change of 76.50%.This indicates that the balance sheet and financial strength for Clifford-Jacobs Employees Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Clifford-Jacobs Employees Credit Union has increased its total deposits by $261,000, resulting in 16.51% 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 Clifford-Jacobs Employees 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. Clifford-Jacobs Employees Credit Union has $2.29 million in assets with $454,000 in equity, resulting in a capitalization level of 19.84%, which is excellent.

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