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  2. 2 Rivers Area Credit Union

2 Rivers Area Credit Union


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 104th largest credit union in the state of Illinois. It is also the 3,105th largest credit union in the nation. It was established in 1951 and as of March of 2024, it had grown to 6 employees and 4,083 members at 1 location. 2 Rivers Area Credit Union's CD rates are 3X the national average, and it has a B 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
B

Data as of Q1 2024

Learn why bank health matters
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 - YTD0.17%
Return on Equity - YTD1.54%
Annual Interest Income$248K
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$25.1MM$25.4MM
LoansQ1 2024vs Q1 2023$15.1MM$14.4MM
DepositsQ1 2024vs Q1 2023$21.7MM$22.4MM
Equity CapitalQ1 2024vs Q1 2023$2.8MM$2.7MM
Loan Loss AllowanceQ1 2024vs Q1 2023$236K$215K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$245K$379K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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2 Rivers Area Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$0-IRA Savings
0.25%$0-Savings Account
0.25%$0-Christmas Club
0.25%$0-Vacation Club

2 Rivers Area Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$1k-1 Year CD
Locations


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

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