Processors-Industrial Community Credit Union

Processors-Industrial Community Credit Union is headquartered in Granite City and is the 180^th largest credit union in the state of Illinois. It is also the 4,729^th largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 5 employees and 2,072 members. Processors-Industrial Community Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics PROCESSORS-INDUSTRIAL COMMUNITY NCUA # 60147 BankRate Report View Year Chartered 1938 Employees 5 Primary Regulator Assets and Liabilities Assets $9.21 million Loans $5.15 million Deposits $8.29 million Equity Capital $865,000 Loan Loss Allowance $176,000 Unbacked Noncurrent Loans $161,000 Historic Data - December 2010 Assets $9.26 million Equity Capital $773,000 Loan Loss Allowance $197,000 Unbacked Noncurrent Loans $133,000 Profit Margin - Quarterly Net Interest Margin 7.97% Return on Assets 0.99% Return on Equity 10.52% Interest Income $479,000 Non-Interest Income $335,000

Institution Health Overall Score: 3 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 Processors-Industrial Community Credit Union had $161,000 in non-current loans and owned real-estate with $1.04 million in equity and loan loss allowances on hand to cover it. This gives Processors-Industrial Community Credit Union a Texas Ratio of 15.47% 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 Processors-Industrial Community Credit Union held steady from 13.71% as of December 31, 2010 to 15.47% as of December 31, 2011, resulting in a negative change of 12.80%. This indicates that the balance sheet and financial strength for Processors-Industrial Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Processors-Industrial Community Credit Union has decreased its total deposits by $-119,000, resulting in -1.42% 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 Processors-Industrial 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. Processors-Industrial Community Credit Union has $9.21 million in assets with $1.04 million in equity, resulting in a capitalization level of 11.30%, which is above average.

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