Illinois Community Credit Union

Illinois Community Credit Union is headquartered in SYCAMORE and is the 48^th largest credit union in the state of Illinois. It is also the 1,598^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 31 employees and 12,734 members. Illinois Community Credit Union has a 4-star health rating.

Illinois Community Credit Union Routing Number: 271989714

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Data for Q4 2011

Institution Statistics ILLINOIS COMMUNITY NCUA # 61634 BankRate Report View Year Chartered 1935 Employees 31 Primary Regulator Assets and Liabilities Assets $83.72 million Loans $67.97 million Deposits $75.02 million Equity Capital $8.16 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $1.37 million Historic Data - December 2010 Assets $70.24 million Equity Capital $7.01 million Loan Loss Allowance $1.32 million Unbacked Noncurrent Loans $756,000 Profit Margin - Quarterly Net Interest Margin 6.96% Return on Assets 0.87% Return on Equity 8.96% Interest Income $4.97 million Non-Interest Income $1.25 million

Institution Health Overall Score: 4 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 Illinois Community Credit Union had $1.37 million in non-current loans and owned real-estate with $9.91 million in equity and loan loss allowances on hand to cover it. This gives Illinois Community Credit Union a Texas Ratio of 13.80% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Illinois Community Credit Union held steady from 9.07% as of December 31, 2010 to 13.80% as of December 31, 2011, resulting in a negative change of 52.09%. This indicates that the balance sheet and financial strength for Illinois Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Illinois Community Credit Union has increased its total deposits by $12.24 million, resulting in 19.51% 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 Illinois Community Credit Union has shown is excellent. 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. Illinois Community Credit Union has $83.72 million in assets with $9.91 million in equity, resulting in a capitalization level of 11.83%, which is above average.

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