A M Community Credit Union

6715 Green Bay Rd
Kenosha, WI 53142
(262) 697-3700
www.amccu.org

OverView
Rates
Health
Reviews

ALEXANDRIA, Va. (Feb. 17, 2012) – The National Credit Union Administration (NCUA), working cooperatively with the Wisconsin Office of Credit Unions, today assumed control of service and operations at A M Community Credit Union headquartered in Kenosha, Wis.

Deposits at A M Community Credit remain protected. Administered by NCUA, the National Credit Union Share Insurance Fund (NCUSIF) continues to insure individual accounts at A M Community Credit Union up to $250,000. The NCUSIF, like the FDIC’s Deposit Insurance Fund, has the backing of the full faith and credit of the U.S. Government.

Report an Issue

See Rates for: Checking | Savings | Money Market | CD | IRA

A M Community Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.01%	-	-	Interest Checking

A M Community Credit Union Savings Account Rates

Apy	Min	Max	Product
0.44%	-	-	IRA Savings
0.44%	-	-	Roth IRA Savings
0.44%	-	-	Educational IRA Savings
0.08%	-	-	Regular Savings
0.08%	-	-	Life Savings
0.08%	-	-	Special Savings

A M Community Credit Union Money Market Rates

Apy	Min	Max	Product
0.41%	$100k	-	Money Market Premium Plus
0.31%	$50k	-	Money Market Premium
0.24%	$25k	-	Money Market Elite
0.19%	$10k	-	Money Market Plus
0.10%	$2,500	-	Money Market

A M Community Credit Union CD Rates

Apy	Min	Max	Product
0.55%	$1k	-	19-24 Month CD
0.55%	$1k	-	25-30 Month CD
0.39%	$1k	-	13-18 Month CD
0.35%	$2k	-	12 Month CD
0.20%	$2k	-	6-11 Month CD

A M Community Credit Union IRA Rates

Apy	Min	Max	Product
1.15%	$5k	-	36 Month IRA
1.15%	$5k	-	36 Month Roth IRA
1.15%	$5k	-	36 Month Educational IRA
0.44%	$5k	-	12 Month IRA
0.44%	$5k	-	12 Month Roth IRA
0.44%	$5k	-	12 Month Educational IRA

Rates updated: 5/16/2012

Data for Q4 2011

Institution Statistics

A M COMMUNITY
NCUA #	66535
BankRate Report	View
Year Chartered	1934
Employees	48
Primary Regulator
Assets and Liabilities
Assets	$125.22 million
Loans	$76.45 million
Deposits	$118.84 million
Equity Capital	$3.81 million
Loan Loss Allowance	$7.04 million
Unbacked Noncurrent Loans	$8.97 million
Real Estate Owned	$829,000
Historic Data - December 2010
Assets	$131.65 million
Equity Capital	$11.54 million
Loan Loss Allowance	$495,000
Unbacked Noncurrent Loans	$2.36 million
Real Estate Owned	$407,000
Profit Margin - Quarterly
Net Interest Margin	4.83%
Return on Assets	-6.55%
Return on Equity	-215.19%
Interest Income	$4.79 million
Non-Interest Income	$709,000

Institution Health

Overall Score:

2 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 A M Community Credit Union had $9.8 million in non-current loans and owned real-estate with $10.85 million in equity and loan loss allowances on hand to cover it. This gives A M Community Credit Union a Texas Ratio of 90.31% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for A M Community Credit Union increased slightly from 22.97% as of December 31, 2010 to 90.31% as of December 31, 2011, resulting in a negative change of 293.15%. This indicates that the balance sheet and financial strength for A M Community Credit Union has declined slightly in recent periods.
Deposit Growth
In the past year, A M Community Credit Union has increased its total deposits by $1.48 million, resulting in 1.26% 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 A M Community Credit Union has shown is above average.
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. A M Community Credit Union has $125.22 million in assets with $10.85 million in equity, resulting in a capitalization level of 8.67%, which is average.