Meadows Credit Union

Meadows Credit Union is headquartered in Arlington Heigh and is the 42^nd largest credit union in the state of Illinois. It is also the 1,287^th largest credit union in the nation. It was established in 1941 and as of December of 2011, it had grown to 31 employees and 12,037 members. Meadows Credit Union has a 2-star health rating.

Meadows Credit Union Routing Number: 271986801

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Data for Q4 2011

Institution Statistics MEADOWS NCUA # 61639 BankRate Report View Year Chartered 1941 Employees 31 Primary Regulator Assets and Liabilities Assets $116.15 million Loans $86.14 million Deposits $109.37 million Equity Capital $4.39 million Loan Loss Allowance $913,000 Unbacked Noncurrent Loans $1.72 million Real Estate Owned $480,000 Historic Data - December 2010 Assets $116.93 million Equity Capital $6.21 million Loan Loss Allowance $423,000 Unbacked Noncurrent Loans $1.08 million Real Estate Owned $788,000 Profit Margin - Quarterly Net Interest Margin 4.05% Return on Assets -1.65% Return on Equity -43.69% Interest Income $4.25 million Non-Interest Income ($297,000)

Institution Health Overall Score: 2 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 Meadows Credit Union had $2.2 million in non-current loans and owned real-estate with $5.3 million in equity and loan loss allowances on hand to cover it. This gives Meadows Credit Union a Texas Ratio of 41.43% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Meadows Credit Union increased slightly from 28.24% as of December 31, 2010 to 41.43% as of December 31, 2011, resulting in a negative change of 46.72%. This indicates that the balance sheet and financial strength for Meadows Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Meadows Credit Union has decreased its total deposits by $-734,000, resulting in -0.67% 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 Meadows Credit Union has shown is average. 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. Meadows Credit Union has $116.15 million in assets with $5.3 million in equity, resulting in a capitalization level of 4.57%, which is poor.