Macon Co School Employees Credit Union

Macon Co School Employees Credit Union is headquartered in DECATUR and is the 194^th largest credit union in the state of Illinois. It is also the 4,981^st largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 4 employees and 1,597 members. Macon Co School Employees Credit Union has a 3-star health rating.

Macon Co School Employees Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics MACON CO SCHOOL EMPLOYEES NCUA # 11622 BankRate Report View Year Chartered 1957 Employees 4 Primary Regulator Assets and Liabilities Assets $7.72 million Loans $4.57 million Deposits $7.15 million Equity Capital $425,000 Loan Loss Allowance $22,000 Unbacked Noncurrent Loans $85,000 Historic Data - December 2010 Assets $8.96 million Equity Capital $434,000 Loan Loss Allowance $33,000 Unbacked Noncurrent Loans $175,000 Profit Margin - Quarterly Net Interest Margin 6.69% Return on Assets -0.06% Return on Equity -1.18% Interest Income $331,000 Non-Interest Income $131,000

Institution Health Overall Score: 3 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 Macon Co School Employees Credit Union had $85,000 in non-current loans and owned real-estate with $447,000 in equity and loan loss allowances on hand to cover it. This gives Macon Co School Employees Credit Union a Texas Ratio of 19.02% 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 Macon Co School Employees Credit Union decreased significantly from 37.47% as of December 31, 2010 to 19.02% as of December 31, 2011, resulting in a positive change of 49.26%.This indicates that the balance sheet and financial strength for Macon Co School Employees Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Macon Co School Employees Credit Union has decreased its total deposits by -$1.35 million, resulting in -15.88% 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 Macon Co School Employees Credit Union has shown is poor. 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. Macon Co School Employees Credit Union has $7.72 million in assets with $447,000 in equity, resulting in a capitalization level of 5.79%, which is below average.

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