U.S.A. One National Credit Union

U.S.A. One National Credit Union Locations

4749 Lincoln Mall Dr
Matteson, IL 60443
(708) 679-9500
www.usaonecu.com

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U.S.A. One National Credit Union is headquartered in Matteson and is the 79^th largest credit union in the state of Illinois. It is also the 2,548^th largest credit union in the nation. It was established in 1899 and as of December of 2011, it had grown to 19 employees and 8,075 members. U.S.A. One National Credit Union has a 2-star health rating.

1.45% 8-Month CD At USA One Credit Union In IL (ASI-Only) (Forum) - 7/7/2010

USA One Credit Union in Matteson Illinois is offering an 8 month New money Step-Up Guaranteed Rate CD with a minimum deposit of $10,000. The certificate of deposit pays a rate of 0.90% for the first four months and then the rate is guaranteed to go

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See Rates for: Checking | Savings | Money Market | CD | IRA

U.S.A. One National Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.15%	-	-	Free Direct Checking

U.S.A. One National Credit Union Savings Account Rates

Apy	Min	Max	Product
0.25%	$25	-	Share Savings
0.25%	-	-	Holiday Club

U.S.A. One National Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.55%	$50k	-	Money Market

U.S.A. One National Credit Union CD Rates

Apy	Min	Max	Product
2.10%	$10k	-	60 Month CD
2.00%	$10k	-	48 Month CD
1.75%	$10k	-	36 Month CD
1.35%	$10k	-	30 Month CD
1.20%	$10k	-	24 Month CD
1.10%	$10k	-	18 Month CD
0.75%	$10k	-	12 Month CD
0.60%	$10k	-	6 Month CD

U.S.A. One National Credit Union IRA Rates

Apy	Min	Max	Product
2.30%	$10k	-	60 Month IRA
2.20%	$10k	-	48 Month IRA
1.95%	$10k	-	36 Month IRA
1.55%	$10k	-	30 Month IRA
1.40%	$10k	-	24 Month IRA
1.30%	$10k	-	18 Month IRA
0.95%	$10k	-	12 Month IRA
0.80%	$10k	-	6 Month IRA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

U.S.A. ONE NATIONAL
NCUA #	95800
BankRate Report	View
Year Chartered	1899
Employees	19
Primary Regulator
Assets and Liabilities
Assets	$39.51 million
Loans	$23.83 million
Deposits	$36.24 million
Equity Capital	$2.72 million
Loan Loss Allowance	$1.40 million
Unbacked Noncurrent Loans	$3.48 million
Historic Data - December 2010
Assets	$40.29 million
Equity Capital	$3.88 million
Loan Loss Allowance	$505,000
Unbacked Noncurrent Loans	$164,000
Profit Margin - Quarterly
Net Interest Margin	5.37%
Return on Assets	-2.96%
Return on Equity	-42.98%
Interest Income	$1.77 million
Non-Interest Income	$906,000

Institution Health

Overall Score:

2 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 U.S.A. One National Credit Union had $3.48 million in non-current loans and owned real-estate with $4.12 million in equity and loan loss allowances on hand to cover it. This gives U.S.A. One National Credit Union a Texas Ratio of 84.37% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for U.S.A. One National Credit Union increased slightly from 3.74% as of December 31, 2010 to 84.37% as of December 31, 2011, resulting in a negative change of 2,157.80%. This indicates that the balance sheet and financial strength for U.S.A. One National Credit Union has declined slightly in recent periods.
Deposit Growth
In the past year, U.S.A. One National Credit Union has increased its total deposits by $450,000, resulting in 1.26% 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 U.S.A. One National Credit Union 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. U.S.A. One National Credit Union has $39.51 million in assets with $4.12 million in equity, resulting in a capitalization level of 10.42%, which is above average.