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Overview / Commentary
1900 52nd Ave
Moline, IL 61265-6380

DHCU Community is headquartered in Moline and is the 15st largest credit union in the state of Illinois. It is also the 462nd largest credit union in the nation. It was established in 1935 and as of March of 2014, it had grown to 118 employees and 41,108 members. DHCU Community has a A health rating.

Field of Membership Restrictions

Anyone living or working within a 50 mile radius of any DHCU branch is eligible to join. In addition, more than 130 SEGs (Select Employee Groups) provide DHCU Community Credit Union membership as part of their employee benefits package. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 DHCU Community had $1.94 million in non-current loans and owned real-estate with $50.33 million in equity and loan loss allowances on hand to cover it. This gives DHCU Community a Texas Ratio of 3.85% 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 DHCU Community decreased slightly from 4.77% as of March 31, 2013 to 3.85% as of March 31, 2014, resulting in a positive change of 19.31%.This indicates that the balance sheet and financial strength for DHCU Community has improved slightly in recent periods.

Deposit Growth


In the past year, DHCU Community has increased its total deposits by $10.01 million, resulting in 2.37% 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 DHCU Community has shown is above average.



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. DHCU Community has $488.56 million in assets with $50.33 million in equity, resulting in a capitalization level of 10.30%, which is above average.

Institution Statistics

NCUA #61093
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$488.57 million
Loans$393.77 million
Deposits$432.40 million
Equity Capital$48.54 million
Loan Loss Allowance$1.78 million
Unbacked Noncurrent Loans$1.22 million
Real Estate Owned$715,000
Historic Data - March 2013
Assets$476.01 million
Equity Capital$45.33 million
Loan Loss Allowance$1.78 million
Unbacked Noncurrent Loans$1.22 million
Real Estate Owned$752,000
Profit Margin - Quarterly
Net Interest Margin0.88%
Return on Assets0.46%
Return on Equity4.67%
Interest Income$3.86 million

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DHCU Community Savings Account Rates

0.40%$200k-Super Savings
0.35%$100k-IRA Account
0.35%$100k-Roth IRA Account
0.35%$100k-Coverdell IRA Account
0.10%$10k-Savings Account
0.10%$5k-Health Savings Account
0.10%$10k-Club Savings Account

DHCU Community Money Market Rates

0.35%$200k-Money Market Account
0.35%$200k-IRA Money Market Account
0.35%$200k-Roth IRA Money Market Account
0.35%$200k-Coverdell IRA Money Market Account

DHCU Community Checking Account Rates


DHCU Community CD Rates

2.02%$1k-5 Year Add-On Certificate
1.41%$100k-48 Month Build A Rate Certificate
1.26%$1k-40 Month Bump-Up Certificate
1.10%$100k-3 Year Build A Rate Certificate
0.95%$100k-30 Month Build A Rate Certificate
0.80%$100k-2 Year Build A Rate Certificate
0.75%$100k-18 Month Build A Rate Certificate
0.65%$100k-1 Year Build A Rate Certificate

DHCU Community Locations
Branch Office1090 S Congress StGeneseo, IL 61254
Branch Office3230 Middle RdBettendorf, IA 52722
Branch Office1330 N 2nd StClinton, IA 52732
Branch Office5354 Elmore AveDavenport, IA 52807
Branch Office371 3rd St WMilan, IL 61264
Branch Office4400 16th StMoline, IL 61265
Branch Office1101 13th AveEast Moline, IL 61244
Branch Office1900 52nd AveMoline, IL 612656380