Route 1 Credit Union

Route 1 Credit Union is headquartered in Paris and is the 228^th largest credit union in the state of Illinois. It is also the 5,618^st largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 3 employees and 1,266 members. Route 1 Credit Union's CD rates are 97% higher than the national average, and it has a 4-star health rating.

Route 1 Credit Union Routing Number: 271187480

Route 1 Credit Union Savings Account Rates

Route 1 Credit Union CD Rates

Data for Q4 2011

Institution Statistics ROUTE 1 NCUA # 61488 BankRate Report View Year Chartered 1957 Employees 3 Primary Regulator Assets and Liabilities Assets $4.58 million Loans $2.21 million Deposits $4.20 million Equity Capital $359,000 Loan Loss Allowance $38,000 Unbacked Noncurrent Loans $43,000 Historic Data - December 2010 Assets $3.79 million Equity Capital $308,000 Loan Loss Allowance $44,000 Unbacked Noncurrent Loans $88,000 Profit Margin - Quarterly Net Interest Margin 7.51% Return on Assets 0.9% Return on Equity 11.42% Interest Income $224,000 Non-Interest Income $46,000

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 Route 1 Credit Union had $43,000 in non-current loans and owned real-estate with $397,000 in equity and loan loss allowances on hand to cover it. This gives Route 1 Credit Union a Texas Ratio of 10.83% 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 Route 1 Credit Union decreased significantly from 25.00% as of December 31, 2010 to 10.83% as of December 31, 2011, resulting in a positive change of 56.68%.This indicates that the balance sheet and financial strength for Route 1 Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Route 1 Credit Union has increased its total deposits by $724,000, resulting in 20.8% 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 Route 1 Credit Union has shown is excellent. 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. Route 1 Credit Union has $4.58 million in assets with $397,000 in equity, resulting in a capitalization level of 8.67%, which is average.

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