International Harvester Employee Credit Union

International Harvester Employee Credit Union is headquartered in springfield and is the 19^st largest credit union in the state of Ohio. It is also the 737^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 38 employees and 15,789 members. International Harvester Employee Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics INTERNATIONAL HARVESTER EMPLOYEE NCUA # 61744 BankRate Report View Year Chartered 1934 Employees 38 Primary Regulator Assets and Liabilities Assets $246.41 million Loans $93.40 million Deposits $164.94 million Equity Capital $43.21 million Loan Loss Allowance $266,000 Unbacked Noncurrent Loans $818,000 Real Estate Owned $53,000 Historic Data - December 2010 Assets $244.26 million Equity Capital $40.59 million Loan Loss Allowance $278,000 Unbacked Noncurrent Loans $928,000 Profit Margin - Quarterly Net Interest Margin 6.21% Return on Assets 1.03% Return on Equity 5.9% Interest Income $9.70 million Non-Interest Income $1.18 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 International Harvester Employee Credit Union had $871,000 in non-current loans and owned real-estate with $43.48 million in equity and loan loss allowances on hand to cover it. This gives International Harvester Employee Credit Union a Texas Ratio of 2.00% 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 International Harvester Employee Credit Union held steady from 2.27% as of December 31, 2010 to 2.00% as of December 31, 2011, resulting in a positive change of 11.76%.This indicates that the balance sheet and financial strength for International Harvester Employee Credit Union has held steady in recent periods. Deposit Growth In the past year, International Harvester Employee Credit Union has increased its total deposits by $9.87 million, resulting in 6.36% 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 International Harvester Employee 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. International Harvester Employee Credit Union has $246.4 million in assets with $43.48 million in equity, resulting in a capitalization level of 17.64%, which is excellent.

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