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815-758-4690
305 E LOCUST ST
Dekalb, IL 60115

Dekalb County Credit Union is headquartered in DEKALB and is the 200th largest credit union in the state of Illinois. It is also the 5,008th largest credit union in the nation. It was established in 1952 and as of December of 2013, it had grown to 3 employees and 1,021 members. Dekalb County Credit Union has a C+ health rating.

Field of Membership Restrictions

Must live or work in DeKalb, Cortland, Shabbona, Afton, Milan or Malta. Also open to employees of several select employment groups. - See Details

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Health

Data for Q4 2013

Institution Health

C+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Dekalb County Credit Union has a very low asset base.

Texas Ratio

GRADE:
A+

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, 2013 Dekalb County Credit Union had $12,000 in non-current loans and owned real-estate with $552,000 in equity and loan loss allowances on hand to cover it. This gives Dekalb County Credit Union a Texas Ratio of 2.17% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Dekalb County Credit Union experienced no significant changes from 0.36% as of December 31, 2012 to 2.17% as of December 31, 2013, resulting in a negative change of 505.43%. This indicates that the balance sheet and financial strength for Dekalb County Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
C-

In the past year, Dekalb County Credit Union has decreased its total deposits by $-182,000, resulting in -3.01% 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 Dekalb County Credit Union has shown is below average.

Capitalization

GRADE:
C

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. Dekalb County Credit Union has $6.41 million in assets with $552,000 in equity, resulting in a capitalization level of 8.61%, which is average.

Institution Statistics

Overall
NCUA #60880
Year Chartered1952
Employees3
Primary Regulator
Assets and Liabilities
Assets$6.41 million
Loans$2.71 million
Deposits$5.86 million
Equity Capital$533,000
Loan Loss Allowance$19,000
Unbacked Noncurrent Loans$12,000
Real Estate Owned$0
Historic Data - December 2012
Assets$6.61 million
Equity Capital$543,000
Loan Loss Allowance$14,000
Unbacked Noncurrent Loans$12,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.43%
Return on Assets-0.16%
Return on Equity-1.88%
Interest Income$176,000
Rates
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Dekalb County Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.03%--Share Savings Account
Locations


Dekalb County Credit Union Locations
Branch Office305 E LOCUST STDEKALB, IL 60115