DHCU Community

P.O. Box 1550
Moline, IL 612661550
800-323-5109
www.dhcu.org

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DHCU Community is headquartered in MOLINE and is the 15^st largest credit union in the state of Illinois. It is also the 439^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 98 employees and 38,211 members. DHCU Community has a 4-star health rating.

Top Mid-Term CD Rates at DHCU Community Credit Union in Parts of Iowa & Illinois - Local Only - 5/6/2011

DHCU Community Credit Union is listing some competitive mid-term CD rates. The two best are a 2.38% APY 3-year CD and a 2.12% APY 30-month CD. These require a relationship amount of $100K. A relations ...

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See Rates for: Checking | Savings | Money Market | CD

DHCU Community Checking Account Rates

	Apy	Min	Max	Product
	0.40%	$5k	-	CheckingRewards

DHCU Community Savings Account Rates

Apy	Min	Max	Product
0.50%	$100k	-	IRA Account
0.40%	$5k	-	Health Savings Account
0.15%	$10k	-	Savings Account
0.15%	$10k	-	Club Savings Account

DHCU Community Money Market Rates

Apy	Min	Max	Product
0.50%	$200k	-	Money Market Account
0.50%	$200k	-	IRA Money Market Account

DHCU Community CD Rates

Apy	Min	Max	Product
1.11%	$100k	-	48 Month Build A Rate Certificate
0.80%	$100k	-	3 Year Build A Rate Certificate
0.65%	$100k	-	30 Month Build A Rate Certificate
0.50%	$100k	-	2 Year Build A Rate Certificate
0.45%	$100k	-	18 Month Build A Rate Certificate
0.35%	$100k	-	1 Year Build A Rate Certificate

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

DHCU COMMUNITY
NCUA #	61093
BankRate Report	View
Year Chartered	1935
Employees	98
Primary Regulator
Assets and Liabilities
Assets	$443.75 million
Loans	$305.22 million
Deposits	$396.33 million
Equity Capital	$41.23 million
Loan Loss Allowance	$1.58 million
Unbacked Noncurrent Loans	$1.70 million
Real Estate Owned	$566,000
Historic Data - December 2010
Assets	$436.30 million
Equity Capital	$38.94 million
Loan Loss Allowance	$1.56 million
Unbacked Noncurrent Loans	$2.29 million
Real Estate Owned	$531,000
Profit Margin - Quarterly
Net Interest Margin	3.59%
Return on Assets	0.58%
Return on Equity	6.22%
Interest Income	$15.00 million
Non-Interest Income	$8.40 million

Institution Health

Overall Score:

4 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 DHCU Community had $2.27 million in non-current loans and owned real-estate with $42.81 million in equity and loan loss allowances on hand to cover it. This gives DHCU Community a Texas Ratio of 5.30% 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 6.96% as of December 31, 2010 to 5.30% as of December 31, 2011, resulting in a positive change of 23.92%.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 $3.33 million, resulting in 0.85% 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 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 $443.75 million in assets with $42.81 million in equity, resulting in a capitalization level of 9.65%, which is average.