Indiana University Credit Union

Indiana University Credit Union is headquartered in Bloomington and is the 9^th largest credit union in the state of Indiana. It is also the 295^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 191 employees and 66,581 members. Indiana University Credit Union has a 5-star health rating.

Indiana University Credit Union Routing Number: 274972744

Data for Q4 2011

Institution Statistics INDIANA UNIVERSITY NCUA # 68577 BankRate Report View Year Chartered 1956 Employees 191 Primary Regulator Assets and Liabilities Assets $682.81 million Loans $366.03 million Deposits $588.65 million Equity Capital $85.16 million Loan Loss Allowance $2.43 million Unbacked Noncurrent Loans $6.33 million Real Estate Owned $962,000 Historic Data - December 2010 Assets $631.76 million Equity Capital $79.52 million Loan Loss Allowance $2.66 million Unbacked Noncurrent Loans $5.56 million Real Estate Owned $1.03 million Profit Margin - Quarterly Net Interest Margin 4.41% Return on Assets 0.66% Return on Equity 5.32% Interest Income $20.86 million Non-Interest Income $9.05 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 Indiana University Credit Union had $7.29 million in non-current loans and owned real-estate with $87.59 million in equity and loan loss allowances on hand to cover it. This gives Indiana University Credit Union a Texas Ratio of 8.33% 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 Indiana University Credit Union held steady from 8.02% as of December 31, 2010 to 8.33% as of December 31, 2011, resulting in a negative change of 3.78%. This indicates that the balance sheet and financial strength for Indiana University Credit Union has held steady in recent periods. Deposit Growth In the past year, Indiana University Credit Union has increased its total deposits by $44.14 million, resulting in 8.11% 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 Indiana University 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. Indiana University Credit Union has $682.81 million in assets with $87.59 million in equity, resulting in a capitalization level of 12.83%, which is excellent.

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