DHCU Community

DHCU Community is headquartered in Moline and is the 15^st largest credit union in the state of Illinois. It is also the 457^th largest credit union in the nation. It was established in 1935 and as of December of 2012, it had grown to 128 employees and 40,352 members. DHCU Community has a 5-star health rating.

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Data for Q4 2012

Institution Statistics DHCU COMMUNITY NCUA # 61093 BankRate Report View Year Chartered 1935 Employees 128 Primary Regulator Assets and Liabilities Assets $457.86 million Loans $347.74 million Deposits $406.54 million Equity Capital $45.02 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $1.76 million Real Estate Owned $734,000 Historic Data - December 2011 Assets $443.75 million Equity Capital $41.23 million Loan Loss Allowance $1.58 million Unbacked Noncurrent Loans $1.70 million Real Estate Owned $566,000 Profit Margin - Quarterly Net Interest Margin 3.68% Return on Assets 0.83% Return on Equity 8.49% Interest Income $15.18 million Non-Interest Income $9.93 million

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, 2012 DHCU Community had $2.49 million in non-current loans and owned real-estate with $46.76 million in equity and loan loss allowances on hand to cover it. This gives DHCU Community a Texas Ratio of 5.33% 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 held steady from 5.30% as of December 31, 2011 to 5.33% as of December 31, 2012, resulting in a negative change of 0.55%. This indicates that the balance sheet and financial strength for DHCU Community has held steady in recent periods. Deposit Growth In the past year, DHCU Community has increased its total deposits by $10.2 million, resulting in 2.57% 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. 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. DHCU Community has $457.86 million in assets with $46.76 million in equity, resulting in a capitalization level of 10.21%, which is above average.

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