Blackhawk Community Credit Union

Blackhawk Community Credit Union is headquartered in Janesville and is the 16^st largest credit union in the state of Wisconsin. It is also the 571^st largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to 118 employees and 37,376 members. Blackhawk Community Credit Union's savings rates are 92% higher than the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics BLACKHAWK COMMUNITY NCUA # 66998 BankRate Report View Year Chartered 1965 Employees 118 Primary Regulator Assets and Liabilities Assets $340.61 million Loans $262.39 million Deposits $311.45 million Equity Capital $24.76 million Loan Loss Allowance $5.40 million Unbacked Noncurrent Loans $7.25 million Real Estate Owned $2.79 million Historic Data - December 2010 Assets $322.33 million Equity Capital $26.52 million Loan Loss Allowance $3.70 million Unbacked Noncurrent Loans $10.60 million Real Estate Owned $2.94 million Profit Margin - Quarterly Net Interest Margin 4.7% Return on Assets -0.87% Return on Equity -11.95% Interest Income $14.66 million Non-Interest Income $5.73 million

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 Blackhawk Community Credit Union had $10.04 million in non-current loans and owned real-estate with $30.15 million in equity and loan loss allowances on hand to cover it. This gives Blackhawk Community Credit Union a Texas Ratio of 33.29% 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 Blackhawk Community Credit Union decreased slightly from 44.80% as of December 31, 2010 to 33.29% as of December 31, 2011, resulting in a positive change of 25.68%.This indicates that the balance sheet and financial strength for Blackhawk Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Blackhawk Community Credit Union has increased its total deposits by $20.24 million, resulting in 6.95% 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 Blackhawk Community 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. Blackhawk Community Credit Union has $340.61 million in assets with $30.15 million in equity, resulting in a capitalization level of 8.85%, which is average.

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