Institution Statistics
| DUPAGE | | NCUA # | 97084 | | BankRate Report | View | | Year Chartered | 1955 | | Employees | 102 | | Primary Regulator | |
Assets and Liabilities | | Assets | $271.60 million | | Loans | $190.67 million | | Deposits | $251.69 million | | Equity Capital | $17.45 million | | Loan Loss Allowance | $5.06 million | | Unbacked Noncurrent Loans | $3.01 million | | Real Estate Owned | $1.79 million |
Historic Data - December 2010 | | Assets | $264.16 million | | Equity Capital | $15.91 million | | Loan Loss Allowance | $5.04 million | | Unbacked Noncurrent Loans | $2.63 million | | Real Estate Owned | $2.06 million |
Profit Margin - Quarterly | | Net Interest Margin | 5.95% | | Return on Assets | 0.57% | | Return on Equity | 8.83% | | Interest Income | $12.13 million | | Non-Interest Income | $4.91 million |
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Institution Health
Overall Score:
3 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 Dupage Credit Union had $4.8 million in non-current loans and owned real-estate with $22.51 million in equity and loan loss allowances on hand to cover it. This gives Dupage Credit Union a Texas Ratio of 21.32% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend | | | The Texas Ratio for Dupage Credit Union held steady from 22.40% as of December 31, 2010 to 21.32% as of December 31, 2011, resulting in a positive change of 4.81%.This indicates that the balance sheet and financial strength for Dupage Credit Union has held steady in recent periods. | | Deposit Growth |  | | In the past year, Dupage Credit Union has increased its total deposits by $8.03 million, resulting in 3.3% 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 Dupage Credit Union 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. Dupage Credit Union has $271.6 million in assets with $22.51 million in equity, resulting in a capitalization level of 8.29%, which is average. |
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Average User Rating:
Not Looking Good
I put a mortgage application in 26 days ago. No contact yet. I called them after 6 days and was told, by a polite C/S rep, in essence, "hang tight", the normal process is 6 - 10 days. Since then, no word.
My wife and I have a bet - - - over/under of 45 days. I am taking the over.
I track my app on line twice a week, for kicks.......same message, 'in process'.
I even received a survey about my "experience"....I answered honestly. Still no word.
Our credit, fortunately, are both above 795.........at this point, it is both funny and sad. Sad knowing this place will not be around much longer for obvious reasons.
Recommendation: Stick to the more sound, Regional banks, that are better captialized, like Harris and First American. We have.
But, for kicks, I plan to ride this mortgage application waiting game.......