Notre Dame Credit Union

P.O. Box 7878
Notre Dame, IN 46556
800-522-6611
www.ndfcu.org

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Notre Dame Credit Union is headquartered in Notre Dame and is the 13^st largest credit union in the state of Indiana. It is also the 453^rd largest credit union in the nation. It was established in 1983 and as of December of 2011, it had grown to 129 employees and 61,185 members. Notre Dame Credit Union has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Notre Dame Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	$100k	-	Premier Checking
0.15%	$100k	-	Business Plus Share Draft Checking
0.15%	$100k	-	Non-Profit Business Share Draft Checking
0.10%	-	-	Direct Checking
0.00%	-	-	Business Share Draft Checking

Notre Dame Credit Union Savings Account Rates

Apy	Min	Max	Product
0.15%	$15k	-	IRA Savings
0.15%	$15k	-	Roth IRA Savings
0.10%	$300	-	Share Savings
0.10%	-	-	Christmas Club Savings
0.10%	$300	-	Business Share Savings

Notre Dame Credit Union Money Market Rates

Apy	Min	Max	Product
0.15%	$50k	-	Money Market
0.15%	$15k	-	Members Choice Money Fund
0.15%	$50k	-	Business Money Market
0.15%	$15k	-	Business Members Choice Money Fund

Notre Dame Credit Union CD Rates

Apy	Min	Max	Product
1.10%	$500	-	60 - 71 Month CD
1.10%	$500	-	Business 60 - 71 Month CD
0.75%	$500	-	48 - 59 Month CD
0.75%	$500	-	Business 48 - 59 Month CD
0.60%	$500	-	36 - 47 Month CD
0.60%	$500	-	Business 36 - 47 Month CD
0.40%	$500	-	30 - 35 Month CD
0.40%	$500	-	Business 30 - 35 Month CD
0.35%	$500	-	24 - 29 Month CD
0.35%	$500	-	Business 24 - 29 Month CD
0.30%	$500	-	18 - 23 Month CD
0.30%	$500	-	Business 18 - 23 Month CD
0.25%	$500	-	12 - 17 Month CD
0.25%	$500	-	15 Month Tax Deferred CD
0.25%	$500	-	Business 12 - 17 Month CD
0.15%	$500	-	6 - 11 Month CD
0.15%	$500	-	Business 6 - 11 Month CD
0.10%	$500	-	3 - 5 Month CD
0.10%	$500	-	1 - 2 Month CD
0.10%	$500	-	Business 1 - 2 Month CD
0.10%	$500	-	Business 3 - 5 Month CD

Notre Dame Credit Union IRA Rates

Apy	Min	Max	Product
1.10%	$500	-	60 - 71 Month Roth IRA
1.10%	$500	-	60 - 71 Month IRA
0.75%	$500	-	48 - 59 Month Roth IRA
0.75%	$500	-	48 - 59 Month IRA
0.60%	$500	-	36 - 47 Month Roth IRA
0.60%	$500	-	36 - 47 Month IRA
0.40%	$500	-	30 - 35 Month Roth IRA
0.40%	$500	-	30 - 35 Month IRA
0.35%	$500	-	24 - 29 Month Roth IRA
0.35%	$500	-	24 - 29 Month IRA
0.30%	$500	-	18 - 23 Month Roth IRA
0.30%	$500	-	18 - 23 Month IRA
0.25%	$500	-	12 - 17 Month Roth IRA
0.25%	$500	-	15 Month Tax Deferred Roth IRA
0.25%	$500	-	12 - 17 Month IRA
0.25%	$500	-	15 Month Tax Deferred IRA
0.15%	$500	-	6 - 11 Month Roth IRA
0.15%	$500	-	6 - 11 Month IRA
0.10%	$500	-	1 - 2 Month Roth IRA
0.10%	$500	-	3 - 5 Month Roth IRA
0.10%	$500	-	1 - 2 Month IRA
0.10%	$500	-	3 - 5 Month IRA

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

NOTRE DAME
NCUA #	24034
BankRate Report	View
Year Chartered	1983
Employees	129
Primary Regulator
Assets and Liabilities
Assets	$432.62 million
Loans	$351.54 million
Deposits	$373.86 million
Equity Capital	$32.62 million
Loan Loss Allowance	$1.32 million
Unbacked Noncurrent Loans	$2.55 million
Real Estate Owned	$110,000
Historic Data - December 2010
Assets	$435.50 million
Equity Capital	$33.11 million
Loan Loss Allowance	$1.08 million
Unbacked Noncurrent Loans	$5.55 million
Real Estate Owned	$115,000
Profit Margin - Quarterly
Net Interest Margin	3.55%
Return on Assets	-0.02%
Return on Equity	-0.28%
Interest Income	$15.96 million
Non-Interest Income	$6.12 million

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 Notre Dame Credit Union had $2.66 million in non-current loans and owned real-estate with $33.94 million in equity and loan loss allowances on hand to cover it. This gives Notre Dame Credit Union a Texas Ratio of 7.84% 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 Notre Dame Credit Union decreased significantly from 16.56% as of December 31, 2010 to 7.84% as of December 31, 2011, resulting in a positive change of 52.70%.This indicates that the balance sheet and financial strength for Notre Dame Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Notre Dame Credit Union has decreased its total deposits by -$4.15 million, resulting in -1.1% 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 Notre Dame 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. Notre Dame Credit Union has $432.62 million in assets with $33.94 million in equity, resulting in a capitalization level of 7.84%, which is below average.

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