Community Plus Credit Union

Community Plus Credit Union is headquartered in Rantoul and is the 140^th largest credit union in the state of Illinois. It is also the 4,061^st largest credit union in the nation. It was established in 1943 and as of December of 2011, it had grown to 10 employees and 3,285 members. Community Plus Credit Union has a 3-star health rating.

Community Plus Credit Union Savings Account Rates

Community Plus Credit Union Money Market Rates

Community Plus Credit Union CD Rates

Data for Q4 2011

Institution Statistics COMMUNITY PLUS NCUA # 24751 BankRate Report View Year Chartered 1943 Employees 10 Primary Regulator Assets and Liabilities Assets $14.30 million Loans $10.38 million Deposits $12.59 million Equity Capital $1.05 million Loan Loss Allowance $67,000 Unbacked Noncurrent Loans $106,000 Real Estate Owned $17,000 Historic Data - December 2010 Assets $14.37 million Equity Capital $1.15 million Loan Loss Allowance $61,000 Unbacked Noncurrent Loans $64,000 Real Estate Owned $38,000 Profit Margin - Quarterly Net Interest Margin 4.82% Return on Assets -0.69% Return on Equity -9.3% Interest Income $634,000 Non-Interest Income $258,000

Institution Health Overall Score: 3 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 Plus Credit Union had $123,000 in non-current loans and owned real-estate with $1.12 million in equity and loan loss allowances on hand to cover it. This gives Community Plus Credit Union a Texas Ratio of 10.97% 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 Community Plus Credit Union held steady from 8.41% as of December 31, 2010 to 10.97% as of December 31, 2011, resulting in a negative change of 30.48%. This indicates that the balance sheet and financial strength for Community Plus Credit Union has held steady in recent periods. Deposit Growth In the past year, Community Plus Credit Union has decreased its total deposits by $-90,000, resulting in -0.71% 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 Plus Credit Union has shown is 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. Community Plus Credit Union has $14.3 million in assets with $1.12 million in equity, resulting in a capitalization level of 7.84%, which is below average.

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