Brantwood Credit Union

Brantwood Credit Union is headquartered in BRANTWOOD and is the 163^rd largest credit union in the state of Wisconsin. It is also the 5,853^rd largest credit union in the nation. It was established in 1932 and as of December of 2011, it had grown to 1 employees and 692 members. Brantwood Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics BRANTWOOD NCUA # 67003 BankRate Report View Year Chartered 1932 Employees 1 Primary Regulator Assets and Liabilities Assets $3.63 million Loans $2.84 million Deposits $3.15 million Equity Capital $486,000 Loan Loss Allowance $98,000 Unbacked Noncurrent Loans $163,000 Historic Data - December 2010 Assets $3.77 million Equity Capital $422,000 Loan Loss Allowance $58,000 Unbacked Noncurrent Loans $147,000 Profit Margin - Quarterly Net Interest Margin 6.38% Return on Assets 1.76% Return on Equity 13.17% Interest Income $227,000 Non-Interest Income $8,000

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 Brantwood Credit Union had $163,000 in non-current loans and owned real-estate with $584,000 in equity and loan loss allowances on hand to cover it. This gives Brantwood Credit Union a Texas Ratio of 27.91% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Brantwood Credit Union held steady from 30.63% as of December 31, 2010 to 27.91% as of December 31, 2011, resulting in a positive change of 8.86%.This indicates that the balance sheet and financial strength for Brantwood Credit Union has held steady in recent periods. Deposit Growth In the past year, Brantwood Credit Union has decreased its total deposits by $-199,000, resulting in -5.95% 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 Brantwood 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. Brantwood Credit Union has $3.63 million in assets with $584,000 in equity, resulting in a capitalization level of 16.08%, which is excellent.

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