Win-Hood Co-Op Credit Union

Win-Hood Co-Op Credit Union is headquartered in CHICAGO and is the 281^st largest credit union in the state of Illinois. It is also the 6,325^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to employees and 142 members. Win-Hood Co-Op Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics WIN-HOOD CO-OP NCUA # 60098 BankRate Report View Year Chartered 1951 Employees 0 Primary Regulator Assets and Liabilities Assets $2.01 million Loans $1.08 million Deposits $1.85 million Equity Capital $159,000 Loan Loss Allowance $17,000 Unbacked Noncurrent Loans $96,000 Historic Data - December 2010 Assets $1.87 million Equity Capital $143,000 Loan Loss Allowance $14,000 Unbacked Noncurrent Loans $84,000 Profit Margin - Quarterly Net Interest Margin 4.21% Return on Assets 0.8% Return on Equity 10.06% Interest Income $73,000

Institution Health Overall Score: 3 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 Win-Hood Co-Op Credit Union had $96,000 in non-current loans and owned real-estate with $176,000 in equity and loan loss allowances on hand to cover it. This gives Win-Hood Co-Op Credit Union a Texas Ratio of 54.55% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Win-Hood Co-Op Credit Union held steady from 53.50% as of December 31, 2010 to 54.55% as of December 31, 2011, resulting in a negative change of 1.95%. This indicates that the balance sheet and financial strength for Win-Hood Co-Op Credit Union has held steady in recent periods. Deposit Growth In the past year, Win-Hood Co-Op Credit Union has increased its total deposits by $130,000, resulting in 7.56% 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 Win-Hood Co-Op 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. Win-Hood Co-Op Credit Union has $2.01 million in assets with $176,000 in equity, resulting in a capitalization level of 8.76%, which is average.

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