Northwest Community Credit Union

Northwest Community Credit Union is headquartered in morton grove and is the 63^rd largest credit union in the state of Illinois. It is also the 2,004^th largest credit union in the nation. It was established in 1939 and as of December of 2012, it had grown to 6 employees and 2,743 members. Northwest Community Credit Union has a 4-star health rating.

Northwest Community Credit Union Routing Number: 271980111

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Data for Q4 2012

Institution Statistics NORTHWEST COMMUNITY NCUA # 60276 BankRate Report View Year Chartered 1939 Employees 6 Primary Regulator Assets and Liabilities Assets $62.12 million Loans $32.40 million Deposits $55.74 million Equity Capital $6.23 million Loan Loss Allowance $504,000 Unbacked Noncurrent Loans $1.20 million Historic Data - December 2011 Assets $64.08 million Equity Capital $6.39 million Loan Loss Allowance $246,000 Unbacked Noncurrent Loans $2.46 million Real Estate Owned $394,000 Profit Margin - Quarterly Net Interest Margin 4.96% Return on Assets -0.25% Return on Equity -2.54% Interest Income $1.75 million Non-Interest Income ($93,000)

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, 2012 Northwest Community Credit Union had $1.2 million in non-current loans and owned real-estate with $6.73 million in equity and loan loss allowances on hand to cover it. This gives Northwest Community Credit Union a Texas Ratio of 17.82% 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 Northwest Community Credit Union decreased significantly from 43.07% as of December 31, 2011 to 17.82% as of December 31, 2012, resulting in a positive change of 58.62%.This indicates that the balance sheet and financial strength for Northwest Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Northwest Community Credit Union has decreased its total deposits by -$1.83 million, resulting in -3.18% 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 Northwest Community Credit Union has shown is below 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. Northwest Community Credit Union has $62.12 million in assets with $6.73 million in equity, resulting in a capitalization level of 10.84%, which is above average.

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