Rock Valley Federal Credit Union

Rock Valley Federal Credit Union is headquartered in Loves Park and is the 55^th largest credit union in the state of Illinois. It is also the 1,730^th largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 45 employees and 13,184 members. Rock Valley Federal Credit Union's savings rates are 2X the national average, and it has a 3-star health rating.

Rock Valley Federal Credit Union Checking Account Rates

Rock Valley Federal Credit Union Savings Account Rates

Rock Valley Federal Credit Union Money Market Rates

Data for Q4 2011

Institution Statistics ROCK VALLEY NCUA # 18944 BankRate Report View Year Chartered 1968 Employees 45 Primary Regulator Assets and Liabilities Assets $75.47 million Loans $54.52 million Deposits $68.13 million Equity Capital $7.02 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $1.95 million Real Estate Owned $25,000 Historic Data - December 2010 Assets $74.33 million Equity Capital $6.41 million Loan Loss Allowance $987,000 Unbacked Noncurrent Loans $1.55 million Real Estate Owned $358,000 Profit Margin - Quarterly Net Interest Margin 5.84% Return on Assets 0.79% Return on Equity 8.5% Interest Income $3.76 million Non-Interest Income $2.02 million

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 Rock Valley Federal Credit Union had $1.98 million in non-current loans and owned real-estate with $8.14 million in equity and loan loss allowances on hand to cover it. This gives Rock Valley Federal Credit Union a Texas Ratio of 24.31% 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 Rock Valley Federal Credit Union held steady from 25.81% as of December 31, 2010 to 24.31% as of December 31, 2011, resulting in a positive change of 5.82%.This indicates that the balance sheet and financial strength for Rock Valley Federal Credit Union has held steady in recent periods. Deposit Growth In the past year, Rock Valley Federal Credit Union has increased its total deposits by $544,000, resulting in 0.8% 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 Rock Valley Federal 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. Rock Valley Federal Credit Union has $75.47 million in assets with $8.14 million in equity, resulting in a capitalization level of 10.78%, which is above average.

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