Service Plus Credit Union

Service Plus Credit Union is headquartered in Moline and is the 111^st largest credit union in the state of Illinois. It is also the 3,523^rd largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 4 employees and 1,747 members. Service Plus Credit Union's money market rates are 16% higher than the national average, and it boasts a 5-star health rating.

Service Plus Credit Union Routing Number: 271183691

Service Plus Credit Union Savings Account Rates

Service Plus Credit Union Money Market Rates

Service Plus Credit Union CD Rates

Service Plus Credit Union IRA Rates

Data for Q4 2011

Institution Statistics SERVICE PLUS NCUA # 65770 BankRate Report View Year Chartered 1950 Employees 4 Primary Regulator Assets and Liabilities Assets $20.47 million Loans $14.66 million Deposits $18.26 million Equity Capital $2.18 million Loan Loss Allowance $35,000 Unbacked Noncurrent Loans $1,000 Historic Data - December 2010 Assets $18.72 million Equity Capital $1.93 million Loan Loss Allowance $41,000 Unbacked Noncurrent Loans $85,000 Profit Margin - Quarterly Net Interest Margin 5.41% Return on Assets 1.23% Return on Equity 11.55% Interest Income $877,000 Non-Interest Income $129,000

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 December 31, 2011 Service Plus Credit Union had $1,000 in non-current loans and owned real-estate with $2.22 million in equity and loan loss allowances on hand to cover it. This gives Service Plus Credit Union a Texas Ratio of 0.05% 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 Service Plus Credit Union decreased significantly from 4.31% as of December 31, 2010 to 0.05% as of December 31, 2011, resulting in a positive change of 98.95%.This indicates that the balance sheet and financial strength for Service Plus Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Service Plus Credit Union has increased its total deposits by $1.5 million, resulting in 8.97% 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 Service Plus 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. Service Plus Credit Union has $20.47 million in assets with $2.22 million in equity, resulting in a capitalization level of 10.83%, which is above average.

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