Utility Employees CU (IL)

Utility Employees CU (IL) is headquartered in Decatur and is the 85^th largest credit union in the state of Illinois. It is also the 2,676^th largest credit union in the nation. It was established in 1900 and as of December of 2011, it had grown to 11 employees and 4,624 members. Utility Employees CU (IL)'s money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

Utility Employees CU (IL) Checking Account Rates

Utility Employees CU (IL) Savings Account Rates

Utility Employees CU (IL) Money Market Rates

Utility Employees CU (IL) CD Rates

Data for Q4 2011

Institution Statistics UTILITY EMPLOYEES NCUA # 81688 BankRate Report View Year Chartered 1900 Employees 11 Primary Regulator Assets and Liabilities Assets $35.94 million Loans $14.69 million Deposits $31.99 million Equity Capital $3.87 million Loan Loss Allowance $107,000 Unbacked Noncurrent Loans $217,000 Historic Data - December 2010 Assets $33.99 million Equity Capital $3.59 million Loan Loss Allowance $91,000 Unbacked Noncurrent Loans $105,000 Profit Margin - Quarterly Net Interest Margin 6.41% Return on Assets 0.78% Return on Equity 7.23% Interest Income $1.38 million Non-Interest Income $233,000

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 Utility Employees CU (IL) had $217,000 in non-current loans and owned real-estate with $3.98 million in equity and loan loss allowances on hand to cover it. This gives Utility Employees CU (IL) a Texas Ratio of 5.45% 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 Utility Employees CU (IL) held steady from 2.85% as of December 31, 2010 to 5.45% as of December 31, 2011, resulting in a negative change of 91.24%. This indicates that the balance sheet and financial strength for Utility Employees CU (IL) has held steady in recent periods. Deposit Growth In the past year, Utility Employees CU (IL) has increased its total deposits by $1.65 million, resulting in 5.42% 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 Utility Employees CU (IL) 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. Utility Employees CU (IL) has $35.94 million in assets with $3.98 million in equity, resulting in a capitalization level of 11.07%, which is above average.

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