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Overview / Commentary
912 N Shabbona St
Streator, IL 61364

Streator Onized Credit Union is headquartered in Streator and is the 35th largest credit union in the state of Illinois. It is also the 964th largest credit union in the nation. It was established in 1940 and as of December of 2013, it had grown to 68 employees and 23,410 members. Streator Onized Credit Union has a A+ health rating.

Field of Membership Restrictions

Must live or work in Livingston, LaSalle, Marshall, Grundy, Putnam or Bureau County including all relatives. - See Details

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Data for Q4 2013

Institution Health


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, 2013 Streator Onized Credit Union had $454,000 in non-current loans and owned real-estate with $23.75 million in equity and loan loss allowances on hand to cover it. This gives Streator Onized Credit Union a Texas Ratio of 1.91% 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 Streator Onized Credit Union experienced no significant changes from 1.91% as of December 31, 2012 to 1.91% as of December 31, 2013, resulting in a negative change of 0.07%. This indicates that the balance sheet and financial strength for Streator Onized Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Streator Onized Credit Union has increased its total deposits by $5.61 million, resulting in 3.59% 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 Streator Onized Credit Union has shown is excellent.



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. Streator Onized Credit Union has $185.48 million in assets with $23.75 million in equity, resulting in a capitalization level of 12.80%, which is excellent.

Institution Statistics

NCUA #68226
Year Chartered1940
Primary Regulator
Assets and Liabilities
Assets$185.48 million
Loans$117.85 million
Deposits$161.84 million
Equity Capital$23.02 million
Loan Loss Allowance$723,000
Unbacked Noncurrent Loans$410,000
Real Estate Owned$44,000
Historic Data - December 2012
Assets$178.31 million
Equity Capital$21.41 million
Loan Loss Allowance$680,000
Unbacked Noncurrent Loans$410,000
Real Estate Owned$107,000
Profit Margin - Quarterly
Net Interest Margin4.67%
Return on Assets0.89%
Return on Equity7.19%
Interest Income$6.64 million
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Streator Onized Credit Union Savings Account Rates

0.35%--IRA Share Account
0.35%--Christmas Club
0.35%--Vacation Club
0.35%--Youth Savers Club
0.25%--Regular Share Account
0.25%--EZ Savers Account

Streator Onized Credit Union Money Market Rates

0.44%$50k-Super Saver Money Market

Streator Onized Credit Union CD Rates

1.16%$1k-48 Month CD
1.05%$1k-36 Month CD
1.00%$1k-24 Month CD
0.90%$1k-18 Month CD
0.65%$1k-12 Month CD
0.50%$1k-6 Month CD
0.35%$1k-3 Month CD

Streator Onized Credit Union IRA Rates

1.16%$1k-48 Month IRA
1.05%$1k-36 Month IRA
1.00%$1k-24 Month IRA
0.90%$1k-18 Month IRA
0.65%$1k-12 Month IRA
0.50%$1k-6 Month IRA
0.35%$1k-3 Month IRA

Streator Onized Credit Union Locations
Branch Office202 W Lincoln AveStreator, IL 61364
Branch Office912 N Shabbona StStreator, IL 61364
Branch Office120 E Northpoint DrStreator, IL 61364
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