D-B Employees Credit Union

D-B Employees Credit Union is headquartered in Johnston City and is the 342^nd largest credit union in the state of Illinois. It is also the 7,071^st largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to employees and 47 members. D-B Employees Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics D-B EMPLOYEES NCUA # 65753 BankRate Report View Year Chartered 1952 Employees 0 Primary Regulator Assets and Liabilities Assets $290,000 Loans $31,000 Deposits $233,000 Equity Capital $57,000 Loan Loss Allowance $1,000 Unbacked Noncurrent Loans $3,000 Historic Data - December 2010 Assets $289,000 Equity Capital $57,000 Loan Loss Allowance $3,000 Unbacked Noncurrent Loans $5,000 Profit Margin - Quarterly Net Interest Margin 15.27% Return on Assets -0.34% Return on Equity -1.75% Interest Income $6,000

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 D-B Employees Credit Union had $3,000 in non-current loans and owned real-estate with $58,000 in equity and loan loss allowances on hand to cover it. This gives D-B Employees Credit Union a Texas Ratio of 5.17% 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 D-B Employees Credit Union decreased slightly from 8.33% as of December 31, 2010 to 5.17% as of December 31, 2011, resulting in a positive change of 37.93%.This indicates that the balance sheet and financial strength for D-B Employees Credit Union has improved slightly in recent periods. Deposit Growth In the past year, D-B Employees Credit Union has increased its total deposits by $1,000, resulting in 0.43% 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 D-B Employees 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. D-B Employees Credit Union has $290,000 in assets with $58,000 in equity, resulting in a capitalization level of 20.00%, which is excellent.

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