2 Rivers Area Credit Union

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Overview / Commentary

2riversacu.com

815-935-2270

296 W Jeffery St
Kankakee, IL 60901

2 Rivers Area Credit Union is headquartered in Kankakee and is the 128^th largest credit union in the state of Illinois. It is also the 3,758^th largest credit union in the nation. It was established in 1951 and as of June of 2016, it had grown to 4 employees and 3,496 members at 2 locations. 2 Rivers Area Credit Union has a B health rating.

Field of Membership Restrictions

You qualify for membership at 2 Rivers Area CU if you work or reside in Kankakee County, or if you are an employee at one of the following: Shapiro Developmental Center, Illinois Veterans in Manteno, or Fox Development Center. Thia eligibility status extends to include family members, household members, retirees of the stated establishments, and their widow's/widower's.
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Health

B

Data as of Q2 2016

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. 2 Rivers Area Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	62827
Year Chartered	1951
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	0.14%
Return on Equity - YTD	0.88%
Annual Interest Income	$313.00K

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$15.3MM$15.1MM
Loans	Q2 2016vs Q2 2015	$6.7MM$6.4MM
Deposits	Q2 2016vs Q2 2015	$12.6MM$12.3MM
Equity Capital	Q2 2016vs Q2 2015	$2.5MM$2.5MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$105.00K$111.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$111.00K$119.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$0

Rates

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2 Rivers Area Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%	-	-	IRA Savings
0.35%	-	-	Roth IRA Savings
0.15%	-	-	Savings Account
0.15%	-	-	Christmas Club
0.15%	-	-	Vacation Club

2 Rivers Area Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%	$1k	-	1 Year CD

2 Rivers Area Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.35%	$1k	-	1 Year IRA

Locations

2 Rivers Area Credit Union Locations
Branch Office	296 W Jeffery St	Kankakee, IL 60901
Branch Office	2601 Network Blvd	Frisco, TX 75034