Fox Valley Credit Union

Fox Valley Credit Union is headquartered in Aurora and is the 114^st largest credit union in the state of Illinois. It is also the 3,639^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 4 employees and 2,753 members. Fox Valley Credit Union's savings rates are 44% higher than the national average, and it has a 3-star health rating.

Fox Valley Credit Union Routing Number: 271975456

Fox Valley Credit Union Savings Account Rates

Fox Valley Credit Union Money Market Rates

Data for Q4 2011

Institution Statistics FOX VALLEY NCUA # 63286 BankRate Report View Year Chartered 1937 Employees 4 Primary Regulator Assets and Liabilities Assets $19.00 million Loans $10.26 million Deposits $15.91 million Equity Capital $3.04 million Loan Loss Allowance $336,000 Unbacked Noncurrent Loans $800,000 Real Estate Owned $130,000 Historic Data - December 2010 Assets $19.74 million Equity Capital $3.18 million Loan Loss Allowance $437,000 Unbacked Noncurrent Loans $1.06 million Profit Margin - Quarterly Net Interest Margin 6.45% Return on Assets -0.69% Return on Equity -4.31% Interest Income $828,000 Non-Interest Income $76,000

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 Fox Valley Credit Union had $930,000 in non-current loans and owned real-estate with $3.38 million in equity and loan loss allowances on hand to cover it. This gives Fox Valley Credit Union a Texas Ratio of 27.54% 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 Fox Valley Credit Union held steady from 29.22% as of December 31, 2010 to 27.54% as of December 31, 2011, resulting in a positive change of 5.75%.This indicates that the balance sheet and financial strength for Fox Valley Credit Union has held steady in recent periods. Deposit Growth In the past year, Fox Valley Credit Union has decreased its total deposits by $-245,000, resulting in -1.52% 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 Fox 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. Fox Valley Credit Union has $19 million in assets with $3.38 million in equity, resulting in a capitalization level of 17.77%, which is excellent.

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