Leyden Credit Union

Leyden Credit Union is headquartered in Franklin Park and is the 56^th largest credit union in the state of Illinois. It is also the 1,827^th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 14 employees and 4,443 members. Leyden Credit Union has a 4-star health rating.

Leyden Credit Union Routing Number: 271984285

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Data for Q4 2011

Institution Statistics LEYDEN NCUA # 60419 BankRate Report View Year Chartered 1955 Employees 14 Primary Regulator Assets and Liabilities Assets $69.28 million Loans $25.54 million Deposits $62.27 million Equity Capital $6.60 million Loan Loss Allowance $608,000 Unbacked Noncurrent Loans $1.57 million Historic Data - December 2010 Assets $62.88 million Equity Capital $6.56 million Loan Loss Allowance $555,000 Unbacked Noncurrent Loans $347,000 Profit Margin - Quarterly Net Interest Margin 5.37% Return on Assets -0.11% Return on Equity -1.18% Interest Income $2.23 million Non-Interest Income $405,000

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 Leyden Credit Union had $1.57 million in non-current loans and owned real-estate with $7.21 million in equity and loan loss allowances on hand to cover it. This gives Leyden Credit Union a Texas Ratio of 21.80% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Leyden Credit Union increased slightly from 4.88% as of December 31, 2010 to 21.80% as of December 31, 2011, resulting in a negative change of 346.87%. This indicates that the balance sheet and financial strength for Leyden Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Leyden Credit Union has increased its total deposits by $6.02 million, resulting in 10.7% 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 Leyden 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. Leyden Credit Union has $69.28 million in assets with $7.21 million in equity, resulting in a capitalization level of 10.41%, which is above average.

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