Professional Credit Union

P.O. Box 5466
Fort Wayne, IN 468955466
800-752-4613
www.profedcu.org

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Professional Credit Union is headquartered in FORT WAYNE and is the 18^st largest credit union in the state of Indiana. It is also the 591^st largest credit union in the nation. It was established in 1933 and as of December of 2011, it had grown to 118 employees and 45,200 members. Professional Credit Union has a 5-star health rating.

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

Professional Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$1k	-	Checking Plus

Professional Credit Union Savings Account Rates

Apy	Min	Max	Product
0.45%	-	-	Traditional IRA Variable Share
0.45%	-	-	Roth IRA Variable Share
0.25%	$10k	-	Health Savings Account Checking
0.10%	$40	-	Regular Share Account
0.10%	-	-	Christmas Club
0.10%	-	-	Name Your Own Club
0.10%	$40	-	Regular Share Account 2
0.10%	$40	-	Regular Share Account 3

Professional Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.55%	$50k	-	Money Market Plus

Professional Credit Union CD Rates

Apy	Min	Max	Product
1.60%	$500	-	60 Month Golden Eagle Share Certificate
1.55%	$500	-	60 Month ProVantage Share Certificate
1.45%	$500	-	60 Month Share Certificate
1.30%	$500	-	48 Month Golden Eagle Share Certificate
1.25%	$500	-	48 Month ProVantage Share Certificate
1.15%	$500	-	48 Month Share Certificate
1.00%	$500	-	36 Month Golden Eagle Share Certificate
0.95%	$500	-	36 Month ProVantage Share Certificate
0.85%	$500	-	36 Month Share Certificate
0.85%	$500	-	30 Month Golden Eagle Share Certificate
0.80%	$500	-	30 Month ProVantage Share Certificate
0.70%	$500	-	30 Month Share Certificate
0.70%	$500	-	24 Month Golden Eagle Share Certificate
0.70%	$100	-	24 Month Golden Eagle EZ Saver Share Certificate
0.65%	$500	-	24 Month ProVantage Share Certificate
0.65%	$100	-	24 Month ProVantage EZ Saver Share Certificate
0.55%	$500	-	24 Month Share Certificate
0.55%	$100	-	24 Month EZ Saver Share Certificate
0.50%	$500	-	18 Month Golden Eagle Share Certificate
0.45%	$500	-	18 Month ProVantage Share Certificate
0.35%	$500	-	18 Month Share Certificate
0.35%	$500	-	12 Month Golden Eagle Share Certificate
0.30%	$500	-	9 Month Golden Eagle Share Certificate
0.30%	$500	-	12 Month ProVantage Share Certificate
0.25%	$500	-	6 Month Golden Eagle Share Certificate
0.25%	$500	-	9 Month ProVantage Share Certificate
0.20%	$500	-	12 Month Share Certificate
0.20%	$500	-	3 Month Golden Eagle Share Certificate
0.20%	$500	-	6 Month ProVantage Share Certificate
0.15%	$500	-	9 Month Share Certificate
0.15%	$500	-	3 Month ProVantage Share Certificate
0.10%	$500	-	6 Month Share Certificate
0.05%	$500	-	3 Month Share Certificate

Professional Credit Union IRA Rates

Apy	Min	Max	Product
1.75%	$1k	-	60 Month Variable IRA Certificate
1.55%	$1k	-	60 Month Regular IRA Certificate
1.55%	$1k	-	60 Month Fixed Roth IRA Certificate
0.95%	$1k	-	36 Month Regular IRA Certificate
0.95%	$1k	-	36 Month Fixed Roth IRA Certificate
0.65%	$25	-	24 Month EZ Saver IRA Certificate
0.65%	$25	-	24 Month EZ Saver ESA Share Certificate
0.45%	$1k	-	18 Month Regular IRA Certificate
0.45%	$1k	-	18 Month Fixed Roth IRA Certificate

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

PROFESSIONAL
NCUA #	17012
BankRate Report	View
Year Chartered	1933
Employees	118
Primary Regulator
Assets and Liabilities
Assets	$330.95 million
Loans	$161.55 million
Deposits	$283.70 million
Equity Capital	$32.29 million
Loan Loss Allowance	$1.08 million
Unbacked Noncurrent Loans	$1.19 million
Real Estate Owned	$693,000
Historic Data - December 2010
Assets	$318.00 million
Equity Capital	$31.23 million
Loan Loss Allowance	$1.25 million
Unbacked Noncurrent Loans	$509,000
Real Estate Owned	$935,000
Profit Margin - Quarterly
Net Interest Margin	4.96%
Return on Assets	0.27%
Return on Equity	2.72%
Interest Income	$10.88 million
Non-Interest Income	$7.85 million

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 Professional Credit Union had $1.88 million in non-current loans and owned real-estate with $33.37 million in equity and loan loss allowances on hand to cover it. This gives Professional Credit Union a Texas Ratio of 5.65% 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 Professional Credit Union held steady from 4.45% as of December 31, 2010 to 5.65% as of December 31, 2011, resulting in a negative change of 27.05%. This indicates that the balance sheet and financial strength for Professional Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Professional Credit Union has increased its total deposits by $10.4 million, resulting in 3.8% 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 Professional Credit Union has shown is above 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. Professional Credit Union has $330.95 million in assets with $33.37 million in equity, resulting in a capitalization level of 10.08%, which is above average.

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