Three Rivers Credit Union

Three Rivers Credit Union is headquartered in Mount Carmel and is the 160^th largest credit union in the state of Illinois. It is also the 4,325^th largest credit union in the nation. It was established in 1942 and as of December of 2011, it had grown to 4 employees and 2,092 members. Three Rivers Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics THREE RIVERS NCUA # 60621 BankRate Report View Year Chartered 1942 Employees 4 Primary Regulator Assets and Liabilities Assets $12.06 million Loans $8.35 million Deposits $11.14 million Equity Capital $897,000 Loan Loss Allowance $102,000 Unbacked Noncurrent Loans $158,000 Historic Data - December 2010 Assets $12.05 million Equity Capital $945,000 Loan Loss Allowance $89,000 Unbacked Noncurrent Loans $319,000 Profit Margin - Quarterly Net Interest Margin 5.66% Return on Assets -0.22% Return on Equity -2.9% Interest Income $542,000 Non-Interest Income $109,000

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 Three Rivers Credit Union had $158,000 in non-current loans and owned real-estate with $999,000 in equity and loan loss allowances on hand to cover it. This gives Three Rivers Credit Union a Texas Ratio of 15.82% 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 Three Rivers Credit Union decreased significantly from 30.85% as of December 31, 2010 to 15.82% as of December 31, 2011, resulting in a positive change of 48.73%.This indicates that the balance sheet and financial strength for Three Rivers Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Three Rivers Credit Union has increased its total deposits by $48,000, resulting in 0.43% 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 Three Rivers Credit Union has shown is 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. Three Rivers Credit Union has $12.06 million in assets with $999,000 in equity, resulting in a capitalization level of 8.28%, which is average.

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