Cta - C And M Credit Union

Cta - C And M Credit Union is headquartered in Chicago and is the 294^th largest credit union in the state of Illinois. It is also the 6,410^st largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 1 employees and 705 members. Cta - C And M Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics CTA - C AND M NCUA # 16473 BankRate Report View Year Chartered 1964 Employees 1 Primary Regulator Assets and Liabilities Assets $1.76 million Loans $859,000 Deposits $1.46 million Equity Capital $296,000 Loan Loss Allowance $17,000 Unbacked Noncurrent Loans $9,000 Historic Data - December 2010 Assets $1.58 million Equity Capital $261,000 Loan Loss Allowance $28,000 Unbacked Noncurrent Loans $25,000 Profit Margin - Quarterly Net Interest Margin 13.33% Return on Assets 1.93% Return on Equity 11.49% Interest Income $120,000 Non-Interest Income $18,000

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 Cta - C And M Credit Union had $9,000 in non-current loans and owned real-estate with $313,000 in equity and loan loss allowances on hand to cover it. This gives Cta - C And M Credit Union a Texas Ratio of 2.88% 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 Cta - C And M Credit Union decreased significantly from 8.65% as of December 31, 2010 to 2.88% as of December 31, 2011, resulting in a positive change of 66.76%.This indicates that the balance sheet and financial strength for Cta - C And M Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Cta - C And M Credit Union has increased its total deposits by $145,000, resulting in 11.02% 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 Cta - C And M 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. Cta - C And M Credit Union has $1.76 million in assets with $313,000 in equity, resulting in a capitalization level of 17.78%, which is excellent.

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