Select Employees CU (IL)

Select Employees CU (IL) is headquartered in Sterling and is the 92^nd largest credit union in the state of Illinois. It is also the 2,816^st largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 12 employees and 4,703 members. Select Employees CU (IL) has a 4-star health rating.

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Data for Q4 2011

Institution Statistics SELECT EMPLOYEES NCUA # 60531 BankRate Report View Year Chartered 1957 Employees 12 Primary Regulator Assets and Liabilities Assets $32.29 million Loans $20.81 million Deposits $30.07 million Equity Capital $1.98 million Loan Loss Allowance $385,000 Unbacked Noncurrent Loans $256,000 Historic Data - December 2010 Assets $31.40 million Equity Capital $1.58 million Loan Loss Allowance $439,000 Unbacked Noncurrent Loans $242,000 Real Estate Owned $80,000 Profit Margin - Quarterly Net Interest Margin 5.22% Return on Assets 1.24% Return on Equity 20.25% Interest Income $1.30 million Non-Interest Income $483,000

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 Select Employees CU (IL) had $256,000 in non-current loans and owned real-estate with $2.36 million in equity and loan loss allowances on hand to cover it. This gives Select Employees CU (IL) a Texas Ratio of 10.85% 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 Select Employees CU (IL) decreased slightly from 15.99% as of December 31, 2010 to 10.85% as of December 31, 2011, resulting in a positive change of 32.15%.This indicates that the balance sheet and financial strength for Select Employees CU (IL) has improved slightly in recent periods. Deposit Growth In the past year, Select Employees CU (IL) has increased its total deposits by $412,000, resulting in 1.39% 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 Select Employees CU (IL) 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. Select Employees CU (IL) has $32.29 million in assets with $2.36 million in equity, resulting in a capitalization level of 7.31%, which is below average.

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