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Overview / Commentary
508 W State St
Sycamore, IL 60178

Illinois Community Credit Union is headquartered in SYCAMORE and is the 50th largest credit union in the state of Illinois. It is also the 1,639th largest credit union in the nation. It was established in 1935 and as of December of 2013, it had grown to 39 employees and 14,771 members. Illinois Community Credit Union has a B health rating.

Field of Membership Restrictions

Must live or work within 25 miles of any of the ICCU Branch. - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Illinois Community Credit Union has a relatively low asset base.

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, 2013 Illinois Community Credit Union had $2.13 million in non-current loans and owned real-estate with $12.66 million in equity and loan loss allowances on hand to cover it. This gives Illinois Community Credit Union a Texas Ratio of 16.85% 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 decreased slightly from 21.11% as of December 31, 2012 to 16.85% as of December 31, 2013, resulting in a positive change of 20.17%.This indicates that the balance sheet and financial strength for Illinois Community Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Illinois Community Credit Union has decreased its total deposits by -$8.21 million, resulting in -9.45% 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 below average.



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 $86.2 million in assets with $12.66 million in equity, resulting in a capitalization level of 14.68%, which is excellent.

Institution Statistics

NCUA #61634
Year Chartered1935
Primary Regulator
Assets and Liabilities
Assets$86.20 million
Loans$62.86 million
Deposits$78.63 million
Equity Capital$7.21 million
Loan Loss Allowance$5.45 million
Unbacked Noncurrent Loans$1.86 million
Real Estate Owned$276,000
Historic Data - December 2012
Assets$97.05 million
Equity Capital$9.47 million
Loan Loss Allowance$2.74 million
Unbacked Noncurrent Loans$1.86 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin11.04%
Return on Assets-2.62%
Return on Equity-31.32%
Interest Income$7.14 million
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Illinois Community Credit Union Savings Account Rates

0.05%--Share Savings Account
0.05%--Clubs Account
0.05%--IRA Savings Account

Illinois Community Credit Union Checking Account Rates

0.05%$5k-Prestige Checking Account

Illinois Community Credit Union CD Rates

0.80%$1k-60 Month Certificate
0.80%$1k-60 Month Youth Certificate
0.75%$1k-48 Month Certificate
0.75%$1k-48 Month Youth Certificate
0.55%$1k-36 Month Certificate
0.55%$1k-36 Month Youth Certificate
0.40%$1k-30 Month Certificate
0.40%$1k-30 Month Youth Certificate
0.30%$1k-24 Month Certificate
0.30%$1k-24 Month Youth Certificate
0.20%$1k-18 Month Certificate
0.20%$1k-18 Month Youth Certificate
0.15%$1k-12 Month Certificate
0.15%$1k-12 Month Youth Certificate
0.06%$1k-5 Month Certificate
0.06%$1k-6 Month Certificate
0.06%$1k-5 Month Youth Certificate
0.06%$1k-6 Month Youth Certificate
0.04%$1k-3 Month Certificate
0.04%$1k-3 Month Youth Certificate

Illinois Community Credit Union IRA Rates

0.80%$1k-60 Month IRA Certificate (Traditional,Roth)
0.75%$1k-48 Month IRA Certificate (Traditional,Roth)
0.55%$1k-36 Month IRA Certificate (Traditional,Roth)
0.40%$1k-30 Month IRA Certificate (Traditional,Roth)
0.30%$1k-24 Month IRA Certificate (Traditional,Roth)
0.20%$1k-18 Month IRA Certificate (Traditional,Roth)
0.15%$1k-12 Month IRA Certificate (Traditional,Roth)

Illinois Community Credit Union Locations
Branch Office4227 MARAY DRROCKFORD, IL 61107
Branch Office501 W MAIN STGENOA, IL 60135-5404
Branch Office6 W MAIN STPLANO, IL 60545-1429
Branch Office1500 BARBER GREENE RDDEKALB, IL 60115-7900
Branch Office508 W STATE STSYCAMORE, IL 60178-1328
Branch Office820 S 7TH STROCHELLE, IL 61068-9307