2 Rivers Area Credit Union


Overview / Commentary
815-935-2270
296 W Jeffery St
Kankakee, IL 60901

2 Rivers Area Credit Union is headquartered in Kankakee and is the 104th largest credit union in the state of Illinois. It is also the 3,129th largest credit union in the nation. It was established in 1951 and as of December of 2023, it had grown to 6 employees and 4,077 members at 1 location. 2 Rivers Area Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership in 2 Rivers Area Credit Union is open to those who live or work in the Illinois counties of Iroquois, Kankakee, or Will. Employees and retirees of Shapiro Developmental Center, Illinois Veterans in Manteno, or Fox Development Center also qualify for membership. Immediate family and household members of anyone eligible to join are welcome to apply.
See current membership details

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Health
C+
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 Chartered1951
Employees6
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD1.18%
Annual Interest Income$960K
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$24.3MM$25.1MM
LoansQ4 2023vs Q4 2022$15.5MM$14.2MM
DepositsQ4 2023vs Q4 2022$21.1MM$22MM
Equity CapitalQ4 2023vs Q4 2022$2.7MM$2.7MM
Loan Loss AllowanceQ4 2023vs Q4 2022$183K$217K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$318K$457K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
Rates
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2 Rivers Area Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--IRA Savings
0.25%--Savings Account
0.25%--Christmas Club
0.25%--Vacation Club

2 Rivers Area Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$1k-1 Year CD
Locations


2 Rivers Area Credit Union Locations
Branch Office296 W Jeffery StKankakee, IL 60901

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