Communitywide Credit Union

Communitywide Credit Union is headquartered in South Bend and is the 20^th largest credit union in the state of Indiana. It is also the 657^th largest credit union in the nation. It was established in 1967 and as of December of 2011, it had grown to 71 employees and 38,594 members. Communitywide Credit Union's savings rates are 15% higher than the national average, and it has a 4-star health rating.

Communitywide Credit Union Checking Account Rates

Communitywide Credit Union Savings Account Rates

Communitywide Credit Union CD Rates

Communitywide Credit Union IRA Rates

Data for Q4 2011

Institution Statistics COMMUNITYWIDE NCUA # 18336 BankRate Report View Year Chartered 1967 Employees 71 Primary Regulator Assets and Liabilities Assets $285.38 million Loans $260.58 million Deposits $247.07 million Equity Capital $32.09 million Loan Loss Allowance $12.47 million Unbacked Noncurrent Loans $10.27 million Real Estate Owned $10,000 Historic Data - December 2010 Assets $248.49 million Equity Capital $26.50 million Loan Loss Allowance $10.15 million Unbacked Noncurrent Loans $9.20 million Real Estate Owned $600,000 Profit Margin - Quarterly Net Interest Margin 6.54% Return on Assets 1.96% Return on Equity 17.41% Interest Income $20.93 million Non-Interest Income $1.77 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 Communitywide Credit Union had $10.28 million in non-current loans and owned real-estate with $44.55 million in equity and loan loss allowances on hand to cover it. This gives Communitywide Credit Union a Texas Ratio of 23.06% 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 Communitywide Credit Union held steady from 26.75% as of December 31, 2010 to 23.06% as of December 31, 2011, resulting in a positive change of 13.77%.This indicates that the balance sheet and financial strength for Communitywide Credit Union has held steady in recent periods. Deposit Growth In the past year, Communitywide Credit Union has increased its total deposits by $31.65 million, resulting in 14.69% 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 Communitywide 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. Communitywide Credit Union has $285.38 million in assets with $44.55 million in equity, resulting in a capitalization level of 15.61%, which is excellent.

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