Idb-Iic Credit Union

Idb-Iic Credit Union is headquartered in Washington and is the 3^rd largest credit union in the state of District of Columbia. It is also the 485^th largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 28 employees and 8,927 members. Idb-Iic Credit Union has a 5-star health rating.

Idb-Iic Credit Union Checking Account Rates

Idb-Iic Credit Union Savings Account Rates

Idb-Iic Credit Union CD Rates

Data for Q4 2011

Institution Statistics IDB-IIC NCUA # 14176 BankRate Report View Year Chartered 1961 Employees 28 Primary Regulator Assets and Liabilities Assets $400.66 million Loans $240.83 million Deposits $316.18 million Equity Capital $45.93 million Loan Loss Allowance $569,000 Unbacked Noncurrent Loans $609,000 Historic Data - December 2010 Assets $385.76 million Equity Capital $42.67 million Loan Loss Allowance $554,000 Unbacked Noncurrent Loans $595,000 Profit Margin - Quarterly Net Interest Margin 3.28% Return on Assets 0.75% Return on Equity 6.54% Interest Income $10.59 million Non-Interest Income $2.31 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, 2011 Idb-Iic Credit Union had $609,000 in non-current loans and owned real-estate with $46.5 million in equity and loan loss allowances on hand to cover it. This gives Idb-Iic Credit Union a Texas Ratio of 1.31% 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 Idb-Iic Credit Union held steady from 1.38% as of December 31, 2010 to 1.31% as of December 31, 2011, resulting in a positive change of 4.86%.This indicates that the balance sheet and financial strength for Idb-Iic Credit Union has held steady in recent periods. Deposit Growth In the past year, Idb-Iic Credit Union has increased its total deposits by $10.03 million, resulting in 3.28% 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 Idb-Iic 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. Idb-Iic Credit Union has $400.66 million in assets with $46.5 million in equity, resulting in a capitalization level of 11.61%, which is above average.

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