Phone-Co. Credit Union

Phone-Co. Credit Union is headquartered in CHICAGO and is the 191^st largest credit union in the state of Illinois. It is also the 4,918^st largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 3 employees and 1,313 members. Phone-Co. Credit Union has a 4-star health rating.

Phone-Co. Credit Union Savings Account Rates

Phone-Co. Credit Union CD Rates

Data for Q4 2011

Institution Statistics PHONE-CO. NCUA # 64413 BankRate Report View Year Chartered 1935 Employees 3 Primary Regulator Assets and Liabilities Assets $8.07 million Loans $3.34 million Deposits $6.30 million Equity Capital $1.75 million Loan Loss Allowance $137,000 Unbacked Noncurrent Loans $188,000 Historic Data - December 2010 Assets $8.95 million Equity Capital $1.91 million Loan Loss Allowance $118,000 Unbacked Noncurrent Loans $331,000 Profit Margin - Quarterly Net Interest Margin 6.89% Return on Assets -1.96% Return on Equity -9.01% Interest Income $293,000 Non-Interest Income $9,000

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 Phone-Co. Credit Union had $188,000 in non-current loans and owned real-estate with $1.89 million in equity and loan loss allowances on hand to cover it. This gives Phone-Co. Credit Union a Texas Ratio of 9.94% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Phone-Co. Credit Union decreased slightly from 16.31% as of December 31, 2010 to 9.94% as of December 31, 2011, resulting in a positive change of 39.03%.This indicates that the balance sheet and financial strength for Phone-Co. Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Phone-Co. Credit Union has decreased its total deposits by $-724,000, resulting in -10.3% 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 Phone-Co. 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. Phone-Co. Credit Union has $8.07 million in assets with $1.89 million in equity, resulting in a capitalization level of 23.42%, which is excellent.

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