Hawthorne Credit Union

Hawthorne Credit Union is headquartered in Naperville and is the 41^st largest credit union in the state of Illinois. It is also the 1,250^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 46 employees and 11,096 members. Hawthorne Credit Union has a 2-star health rating.

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Data for Q4 2011

Institution Statistics HAWTHORNE NCUA # 66882 BankRate Report View Year Chartered 1935 Employees 46 Primary Regulator Assets and Liabilities Assets $120.39 million Loans $84.26 million Deposits $115.30 million Equity Capital $4.27 million Loan Loss Allowance $1.31 million Unbacked Noncurrent Loans $1.89 million Real Estate Owned $2.00 million Historic Data - December 2010 Assets $119.53 million Equity Capital $4.38 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $1.42 million Real Estate Owned $1.05 million Profit Margin - Quarterly Net Interest Margin 5.48% Return on Assets -0.1% Return on Equity -2.74% Interest Income $4.93 million Non-Interest Income $2.73 million

Institution Health Overall Score: 2 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 Hawthorne Credit Union had $3.89 million in non-current loans and owned real-estate with $5.57 million in equity and loan loss allowances on hand to cover it. This gives Hawthorne Credit Union a Texas Ratio of 69.80% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hawthorne Credit Union increased slightly from 44.07% as of December 31, 2010 to 69.80% as of December 31, 2011, resulting in a negative change of 58.37%. This indicates that the balance sheet and financial strength for Hawthorne Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Hawthorne Credit Union has increased its total deposits by $823,000, resulting in 0.72% 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 Hawthorne Credit Union 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. Hawthorne Credit Union has $120.39 million in assets with $5.57 million in equity, resulting in a capitalization level of 4.63%, which is poor.

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