School Districts 162/163 Employees Credit Union

School Districts 162/163 Employees Credit Union is headquartered in Park Forest and is the 288^th largest credit union in the state of Illinois. It is also the 6,392^nd largest credit union in the nation. It was established in 1959 and as of December of 2011, it had grown to employees and 434 members. School Districts 162/163 Employees Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics SCHOOL DISTRICTS 162/163 EMPLOYEES NCUA # 13253 BankRate Report View Year Chartered 1959 Employees 0 Primary Regulator Assets and Liabilities Assets $1.82 million Loans $801,000 Deposits $1.44 million Equity Capital $375,000 Loan Loss Allowance $24,000 Unbacked Noncurrent Loans $69,000 Historic Data - December 2010 Assets $1.92 million Equity Capital $371,000 Loan Loss Allowance $36,000 Unbacked Noncurrent Loans $62,000 Profit Margin - Quarterly Net Interest Margin 8.64% Return on Assets 0.22% Return on Equity 1.07% Interest Income $74,000 Non-Interest Income $1,000

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 School Districts 162/163 Employees Credit Union had $69,000 in non-current loans and owned real-estate with $399,000 in equity and loan loss allowances on hand to cover it. This gives School Districts 162/163 Employees Credit Union a Texas Ratio of 17.29% 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 School Districts 162/163 Employees Credit Union held steady from 15.23% as of December 31, 2010 to 17.29% as of December 31, 2011, resulting in a negative change of 13.52%. This indicates that the balance sheet and financial strength for School Districts 162/163 Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, School Districts 162/163 Employees Credit Union has decreased its total deposits by $-109,000, resulting in -7.03% 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 School Districts 162/163 Employees Credit Union has shown is poor. 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. School Districts 162/163 Employees Credit Union has $1.82 million in assets with $399,000 in equity, resulting in a capitalization level of 21.96%, which is excellent.

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