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Overview / Commentary
296 W Jeffery St
Kankakee, IL 60901

2 Rivers Area Credit Union is headquartered in Kankakee and is the 129th largest credit union in the state of Illinois. It is also the 3,777th largest credit union in the nation. It was established in 1951 and as of September of 2016, it had grown to 4 employees and 3,531 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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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

NCUA #62827
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD0.15%
Return on Equity - YTD0.91%
Annual Interest Income$476.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$15.0MM$15.2MM
LoansQ3 2016vs Q3 2015$7.0MM$6.4MM
DepositsQ3 2016vs Q3 2015$12.3MM$12.5MM
Equity CapitalQ3 2016vs Q3 2015$2.5MM$2.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$97.00K$111.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$83.00K$91.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
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2 Rivers Area Credit Union Savings Account Rates

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

0.35%$1k-1 Year CD

2 Rivers Area Credit Union IRA Rates

0.35%$1k-1 Year IRA

2 Rivers Area Credit Union Locations
Branch Office2601 Network BlvdFrisco, TX 75034
Branch Office296 W Jeffery StKankakee, IL 60901