Community Spirit Credit Union

Overview / Commentary

www.communityspiritcu.org

812-537-0928

160 Industrial Drive
Lawrenceburg, IN 47025

Community Spirit Credit Union is headquartered in Lawrenceburg and is the 108^th largest credit union in the state of Indiana. It is also the 3,784^th largest credit union in the nation. It was established in 1937 and as of December of 2018, it had grown to 5 employees and 1,953 members at 1 location. Community Spirit Credit Union has a B health rating.

Field of Membership Restrictions

Community Spirit CU is open to the residents and people that maintain employment in the Ohio Township of Dearborn and the Counties of Ripley and Switzerland, along with the employees of Joseph E. Seagram & Sons and their family members.
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Health

Data as of Q4 2018

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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. Community Spirit Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	65493
Year Chartered	1937
Employees	5
Primary Regulator

Profit Margin
Return on Assets - YTD	-0.84%
Return on Equity - YTD	-5.18%
Annual Interest Income	$483.00K

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$13.1MM$13.8MM
Loans	Q4 2018vs Q4 2017	$6.3MM$6.8MM
Deposits	Q4 2018vs Q4 2017	$10.7MM$11.4MM
Equity Capital	Q4 2018vs Q4 2017	$2.1MM$2.3MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$139.00K$146.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$96.00K$244.00K
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community Spirit Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	-	-	IRA Share
0.40%^*	$40k^*	-	Regular Share
OTHER TIERS: 0.10% → $5 - $10k \| 0.15% → $10k - $20k \| 0.30% → $20k - $40k
0.40%^*	$40k^*	-	Kid's Club
OTHER TIERS: 0.10% → $5 - $10k \| 0.15% → $10k - $20k \| 0.30% → $20k - $40k
0.15%	-	-	Christmas Club

Community Spirit Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%	-	-	36 Month Share Certificate
0.60%	-	-	24 Month Share Certificate
0.50%	-	-	12 Month Share Certificate

Community Spirit Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.80%	-	-	36 Month IRA Certificate
0.60%	-	-	24 Month IRA Certificate
0.50%	-	-	12 Month IRA Certificate

Locations

Community Spirit Credit Union Locations
Branch Office	160 Industrial Dr	Lawrenceburg, IN 47025-1116

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