Eli Lilly Credit Union

Eli Lilly Credit Union is headquartered in Indianapolis and is the 4^th largest credit union in the state of Indiana. It is also the 196^th largest credit union in the nation. It was established in 1976 and as of December of 2012, it had grown to 135 employees and 59,928 members. Eli Lilly Credit Union has a 5-star health rating.

Eli Lilly Credit Union Routing Number: 274073834

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Data for Q4 2012

Institution Statistics ELI LILLY NCUA # 22468 BankRate Report View Year Chartered 1976 Employees 135 Primary Regulator Assets and Liabilities Assets $1.01 billion Loans $626.52 million Deposits $874.55 million Equity Capital $104.34 million Loan Loss Allowance $6.34 million Unbacked Noncurrent Loans $4.24 million Real Estate Owned $848,000 Historic Data - December 2011 Assets $968.21 million Equity Capital $95.13 million Loan Loss Allowance $6.84 million Unbacked Noncurrent Loans $7.19 million Real Estate Owned $383,000 Profit Margin - Quarterly Net Interest Margin 4.11% Return on Assets 0.88% Return on Equity 8.5% Interest Income $35.29 million Non-Interest Income $10.66 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 Eli Lilly Credit Union had $5.09 million in non-current loans and owned real-estate with $110.68 million in equity and loan loss allowances on hand to cover it. This gives Eli Lilly Credit Union a Texas Ratio of 4.60% 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 Eli Lilly Credit Union decreased slightly from 7.43% as of December 31, 2011 to 4.60% as of December 31, 2012, resulting in a positive change of 38.15%.This indicates that the balance sheet and financial strength for Eli Lilly Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Eli Lilly Credit Union has increased its total deposits by $33.43 million, resulting in 3.97% 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 Eli Lilly 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. Eli Lilly Credit Union has $1.01 billion in assets with $110.68 million in equity, resulting in a capitalization level of 10.96%, which is above average.

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