Scott Credit Union

Scott Credit Union is headquartered in Collinsville and is the 7^th largest credit union in the state of Illinois. It is also the 248^th largest credit union in the nation. It was established in 1943 and as of September of 2011, it had grown to 186 employees and 91,341 members. Scott Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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Data for Q3 2011

Institution Statistics SCOTT NCUA # 66370 BankRate Report View Year Established 1943 Employees 186 Primary Regulator Assets and Liabilities Assets $773.93 million Loans $614.36 million Deposits $690.62 million Equity Capital $74.83 million Loan Loss Allowance $3.58 million Unbacked Noncurrent Loans $3.10 million Real Estate Owned $924,000 Historic Data - September 2010 Assets $662.58 million Equity Capital $66.87 million Loan Loss Allowance $2.45 million Unbacked Noncurrent Loans $2.66 million Real Estate Owned $257,000 Profit Margin - Quarterly Net Interest Margin 3.31% Return on Assets 1.02% Return on Equity 10.53% Interest Income $27.09 million Non-Interest Income $7.71 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 September 30, 2011 Scott Credit Union had $4.02 million in non-current loans and owned real-estate with $78.41 million in equity and loan loss allowances on hand to cover it. This gives Scott Credit Union a Texas Ratio of 5.13% 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 Scott Credit Union held steady from 4.20% as of September 30, 2010 to 5.13% as of September 30, 2011, resulting in a negative change of 22.05%. This indicates that the balance sheet and financial strength for Scott Credit Union has held steady in recent periods. Deposit Growth In the past year, Scott Credit Union has increased its total deposits by $102.18 million, resulting in 17.36% 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 Scott 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. Scott Credit Union has $773.93 million in assets with $78.41 million in equity, resulting in a capitalization level of 10.13%, which is above average.

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