Diamond Valley Credit Union

840 Diamond Ave
Evansville, IN 47711
800.772.0638
www.diamondvalleyfcu.org

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Diamond Valley Credit Union is headquartered in EVANSVILLE and is the 30^th largest credit union in the state of Indiana. It is also the 1,165^th largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 45 employees and 20,374 members. Diamond Valley Credit Union has a 4-star health rating.

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

Diamond Valley Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	$5k	-	Dividends Plus Checking Account
0.15%	$1k	-	Business Checking Account

Diamond Valley Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	$100	-	Divy Savings Account
0.25%	-	-	IRA Savings
0.25%	-	-	Roth IRA Savings
0.25%	-	-	Coverdell Education Savings Account
0.15%	$300	-	Regular Share Savings Account
0.15%	$300	-	Vacation Savings Account
0.15%	$300	-	Insurance Savings Account
0.15%	$25	-	Christmas Club Account
0.15%	$300	-	Wedding Registry Account

Diamond Valley Credit Union Money Market Rates

Apy	Min	Max	Product
0.30%	$100k	-	Money Market Edge Account
0.15%	$20k	-	Money Market Share Account
0.15%	$20k	-	Money Market Choice Account

Diamond Valley Credit Union CD Rates

Apy	Min	Max	Product
1.25%	$500	-	5 Year Share Certificate
0.90%	$500	-	3 Year Share Certificate
0.75%	$500	-	30 Month Share Certificate
0.65%	$500	-	2 Year Share Certificate
0.50%	$500	-	15 Month Share Certificate
0.50%	$500	-	18 Month Share Certificate
0.45%	$500	-	1 Year Share Certificate
0.20%	$2,500	-	6 Month Share Certificate
0.15%	$2k	-	91 Day Share Certificate

Diamond Valley Credit Union IRA Rates

Apy	Min	Max	Product
1.25%	$500	-	5 Year IRA Certificate
1.25%	$500	-	5 Year Roth IRA Certificate
1.25%	$500	-	5 Year CESA Certificate
0.90%	$500	-	3 Year IRA Certificate
0.90%	$500	-	3 Year Roth IRA Certificate
0.90%	$500	-	3 Year CESA Certificate
0.75%	$500	-	30 Month IRA Certificate
0.75%	$500	-	30 Month Roth IRA Certificate
0.75%	$500	-	30 Month CESA Certificate
0.65%	$500	-	2 Year IRA Certificate
0.65%	$500	-	2 Year Roth IRA Certificate
0.65%	$500	-	2 Year CESA Certificate
0.50%	$500	-	15 Month IRA Certificate
0.50%	$500	-	18 Month IRA Certificate
0.50%	$500	-	15 Month Roth IRA Certificate
0.50%	$500	-	18 Month Roth IRA Certificate
0.50%	$500	-	15 Month CESA Certificate
0.50%	$500	-	18 Month CESA Certificate
0.45%	$500	-	1 Year IRA Certificate
0.45%	$500	-	1 Year Roth IRA Certificate
0.45%	$500	-	1 Year CESA Certificate
0.20%	$2,500	-	6 Month IRA Certificate
0.20%	$2,500	-	6 Month Roth IRA Certificate
0.20%	$2,500	-	6 Month CESA Certificate
0.15%	$2k	-	91 Day IRA Certificate
0.15%	$2k	-	91 Day Roth IRA Certificate
0.15%	$2k	-	91 Day CESA Certificate

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

DIAMOND VALLEY
NCUA #	14135
BankRate Report	View
Year Chartered	1961
Employees	45
Primary Regulator
Assets and Liabilities
Assets	$133.29 million
Loans	$54.45 million
Deposits	$119.88 million
Equity Capital	$12.98 million
Loan Loss Allowance	$306,000
Unbacked Noncurrent Loans	$523,000
Real Estate Owned	$34,000
Historic Data - December 2010
Assets	$135.67 million
Equity Capital	$12.98 million
Loan Loss Allowance	$400,000
Unbacked Noncurrent Loans	$528,000
Profit Margin - Quarterly
Net Interest Margin	5.46%
Return on Assets	0%
Return on Equity	0.02%
Interest Income	$4.64 million
Non-Interest Income	$2.08 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 Diamond Valley Credit Union had $557,000 in non-current loans and owned real-estate with $13.28 million in equity and loan loss allowances on hand to cover it. This gives Diamond Valley Credit Union a Texas Ratio of 4.19% 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 Diamond Valley Credit Union held steady from 3.95% as of December 31, 2010 to 4.19% as of December 31, 2011, resulting in a negative change of 6.23%. This indicates that the balance sheet and financial strength for Diamond Valley Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Diamond Valley Credit Union has decreased its total deposits by -$2.46 million, resulting in -2.01% 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 Diamond Valley Credit Union has shown is below 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. Diamond Valley Credit Union has $133.29 million in assets with $13.28 million in equity, resulting in a capitalization level of 9.97%, which is average.

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