Arcadia Credit Union

Arcadia Credit Union is headquartered in Arcadia and is the 62^nd largest credit union in the state of Wisconsin. It is also the 1,991^st largest credit union in the nation. It was established in 1963 and as of December of 2012, it had grown to 15 employees and 5,643 members. Arcadia Credit Union's savings rates are 4X the national average, and it has a 4-star health rating.

Arcadia Credit Union Routing Number: 291580151

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Data for Q4 2012

Institution Statistics ARCADIA NCUA # 66532 BankRate Report View Year Chartered 1963 Employees 15 Primary Regulator Assets and Liabilities Assets $62.83 million Loans $48.80 million Deposits $55.15 million Equity Capital $7.11 million Loan Loss Allowance $520,000 Unbacked Noncurrent Loans $945,000 Real Estate Owned $120,000 Historic Data - December 2011 Assets $57.70 million Equity Capital $6.47 million Loan Loss Allowance $444,000 Unbacked Noncurrent Loans $332,000 Profit Margin - Quarterly Net Interest Margin 5.11% Return on Assets 1.02% Return on Equity 9.03% Interest Income $3.02 million Non-Interest Income $184,000

Institution Health Overall Score: 4 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, 2012 Arcadia Credit Union had $1.06 million in non-current loans and owned real-estate with $7.63 million in equity and loan loss allowances on hand to cover it. This gives Arcadia Credit Union a Texas Ratio of 13.96% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Arcadia Credit Union increased slightly from 4.80% as of December 31, 2011 to 13.96% as of December 31, 2012, resulting in a negative change of 190.68%. This indicates that the balance sheet and financial strength for Arcadia Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Arcadia Credit Union has increased its total deposits by $4.41 million, resulting in 8.7% 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 Arcadia Credit Union has shown is excellent. 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. Arcadia Credit Union has $62.83 million in assets with $7.63 million in equity, resulting in a capitalization level of 12.14%, which is excellent.

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