Community Credit Union

Community Credit Union is headquartered in CHICAGO and is the 359^th largest credit union in the state of Illinois. It is also the 7,174^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to employees and 224 members. Community Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics COMMUNITY NCUA # 7256 BankRate Report View Year Chartered 1951 Employees 0 Primary Regulator Assets and Liabilities Assets $133,000 Loans $35,000 Deposits $86,000 Equity Capital $47,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $13,000 Historic Data - December 2010 Assets $125,000 Equity Capital $51,000 Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $3,000 Profit Margin - Quarterly Net Interest Margin 14.29% Return on Assets -2.26% Return on Equity -6.38% Interest Income $4,000

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 Community Credit Union had $13,000 in non-current loans and owned real-estate with $56,000 in equity and loan loss allowances on hand to cover it. This gives Community Credit Union a Texas Ratio of 23.21% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Community Credit Union increased slightly from 4.92% as of December 31, 2010 to 23.21% as of December 31, 2011, resulting in a negative change of 372.02%. This indicates that the balance sheet and financial strength for Community Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Community Credit Union has increased its total deposits by $12,000, resulting in 16.22% 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 Community 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. Community Credit Union has $133,000 in assets with $56,000 in equity, resulting in a capitalization level of 42.11%, which is excellent.

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