1St Class Express Credit Union

1St Class Express Credit Union is headquartered in WAUKESHA and is the 170^th largest credit union in the state of Wisconsin. It is also the 6,199^th largest credit union in the nation. It was established in 1932 and as of December of 2011, it had grown to 1 employees and 636 members. 1St Class Express Credit Union has a 3-star health rating.

1St Class Express Credit Union Routing Number: 275982238

Data for Q4 2011

Institution Statistics 1ST CLASS EXPRESS NCUA # 67022 BankRate Report View Year Chartered 1932 Employees 1 Primary Regulator Assets and Liabilities Assets $2.40 million Loans $2.20 million Deposits $2.25 million Equity Capital $147,000 Loan Loss Allowance $98,000 Unbacked Noncurrent Loans $74,000 Historic Data - December 2010 Assets $2.81 million Equity Capital $187,000 Loan Loss Allowance $25,000 Unbacked Noncurrent Loans $143,000 Profit Margin - Quarterly Net Interest Margin 7.9% Return on Assets -1.62% Return on Equity -26.53% Interest Income $201,000 Non-Interest Income $7,000

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 1St Class Express Credit Union had $74,000 in non-current loans and owned real-estate with $245,000 in equity and loan loss allowances on hand to cover it. This gives 1St Class Express Credit Union a Texas Ratio of 30.20% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for 1St Class Express Credit Union decreased significantly from 67.45% as of December 31, 2010 to 30.20% as of December 31, 2011, resulting in a positive change of 55.22%.This indicates that the balance sheet and financial strength for 1St Class Express Credit Union has improved significantly in recent periods. Deposit Growth In the past year, 1St Class Express Credit Union has decreased its total deposits by $-348,000, resulting in -13.42% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1St Class Express Credit Union has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1St Class Express Credit Union has $2.4 million in assets with $245,000 in equity, resulting in a capitalization level of 10.19%, which is above average.

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