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Overview / Commentary
1301 Post Rd
Plover, WI 54467

Central Wisconsin Credit Union is headquartered in Plover and is the 82nd largest credit union in the state of Wisconsin. It is also the 2,857th largest credit union in the nation. It was established in 1948 and as of March of 2014, it had grown to 10 employees and 3,747 members. Central Wisconsin Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live or work in Portage, Wood, Waupaca or Marathon County. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Central Wisconsin Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Central Wisconsin Credit Union had $7,000 in non-current loans and owned real-estate with $3.74 million in equity and loan loss allowances on hand to cover it. This gives Central Wisconsin Credit Union a Texas Ratio of 0.19% 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 Central Wisconsin Credit Union decreased dramatically from 8.54% as of March 31, 2013 to 0.19% as of March 31, 2014, resulting in a positive change of 97.81%.This indicates that the balance sheet and financial strength for Central Wisconsin Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Central Wisconsin Credit Union has increased its total deposits by $1.71 million, resulting in 6.3% 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 Central Wisconsin Credit Union has shown is excellent.



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. Central Wisconsin Credit Union has $32.6 million in assets with $3.74 million in equity, resulting in a capitalization level of 11.49%, which is excellent.

Institution Statistics

NCUA #66513
Year Chartered1948
Primary Regulator
Assets and Liabilities
Assets$32.60 million
Loans$20.52 million
Deposits$28.83 million
Equity Capital$3.62 million
Loan Loss Allowance$129,000
Unbacked Noncurrent Loans$7,000
Real Estate Owned$0
Historic Data - March 2013
Assets$30.78 million
Equity Capital$3.63 million
Loan Loss Allowance$142,000
Unbacked Noncurrent Loans$7,000
Real Estate Owned$88,000
Profit Margin - Quarterly
Return on Assets0.16%
Return on Equity1.44%
Interest Income$256,000
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Central Wisconsin Credit Union Savings Account Rates

0.10%--Regular Shares
0.10%--Special Shares
0.10%--Christmas Club
0.10%--Kidz Club
0.10%--Tax Account

Central Wisconsin Credit Union Money Market Rates

0.25%$40k-Money Market Account

Central Wisconsin Credit Union CD Rates

1.25%$40k-5 Year Share Certificate
1.05%$40k-4 Year Share Certificate
0.83%$40k-3 Year Share Certificate
0.75%$40k-2 Year Share Certificate
0.55%$40k-1 Year Share Certificate
0.35%$1k-6 Month Share Certificate

Central Wisconsin Credit Union Locations
Branch Office1301 Post RdPlover, WI 54467
Branch Office2201 Division StStevens Point, WI 54481-3662