Prairieland Credit Union

Prairieland Credit Union is headquartered in normal and is the 67^th largest credit union in the state of Illinois. It is also the 2,194^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 18 employees and 6,511 members. Prairieland Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Prairieland Credit Union Savings Account Rates

Prairieland Credit Union CD Rates

Data for Q4 2011

Institution Statistics PRAIRIELAND NCUA # 2037 BankRate Report View Year Chartered 1937 Employees 18 Primary Regulator Assets and Liabilities Assets $52.26 million Loans $31.75 million Deposits $45.41 million Equity Capital $6.65 million Loan Loss Allowance $344,000 Unbacked Noncurrent Loans $468,000 Historic Data - December 2010 Assets $52.21 million Equity Capital $6.48 million Loan Loss Allowance $387,000 Unbacked Noncurrent Loans $1.40 million Profit Margin - Quarterly Net Interest Margin 5.88% Return on Assets 0.17% Return on Equity 1.34% Interest Income $2.22 million Non-Interest Income $921,000

Institution Health Overall Score: 5 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 Prairieland Credit Union had $468,000 in non-current loans and owned real-estate with $6.99 million in equity and loan loss allowances on hand to cover it. This gives Prairieland Credit Union a Texas Ratio of 6.70% 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 Prairieland Credit Union decreased significantly from 20.33% as of December 31, 2010 to 6.70% as of December 31, 2011, resulting in a positive change of 67.07%.This indicates that the balance sheet and financial strength for Prairieland Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Prairieland Credit Union has decreased its total deposits by $-202,000, resulting in -0.44% 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 Prairieland 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. Prairieland Credit Union has $52.26 million in assets with $6.99 million in equity, resulting in a capitalization level of 13.38%, which is excellent.

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