Bilt-Well Credit Union

Bilt-Well Credit Union is headquartered in Dubuque and is the 120^th largest credit union in the state of Iowa. It is also the 6,744^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 2 employees and 182 members. Bilt-Well Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics BILT-WELL NCUA # 65286 BankRate Report View Year Chartered 1940 Employees 2 Primary Regulator Assets and Liabilities Assets $922,000 Loans $109,000 Deposits $655,000 Equity Capital $266,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $1,000 Historic Data - December 2010 Assets $1.02 million Equity Capital $274,000 Loan Loss Allowance $7,000 Unbacked Noncurrent Loans $2,000 Profit Margin - Quarterly Net Interest Margin 5.05% Return on Assets -0.65% Return on Equity -2.26% Interest Income $21,000

Institution Health Overall Score: 5 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 Bilt-Well Credit Union had $1,000 in non-current loans and owned real-estate with $273,000 in equity and loan loss allowances on hand to cover it. This gives Bilt-Well Credit Union a Texas Ratio of 0.37% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bilt-Well Credit Union decreased significantly from 0.71% as of December 31, 2010 to 0.37% as of December 31, 2011, resulting in a positive change of 48.53%.This indicates that the balance sheet and financial strength for Bilt-Well Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Bilt-Well Credit Union has decreased its total deposits by $-85,000, resulting in -11.49% 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 Bilt-Well 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. Bilt-Well Credit Union has $922,000 in assets with $273,000 in equity, resulting in a capitalization level of 29.61%, which is excellent.

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