Citizensfirst Credit Union

Citizensfirst Credit Union is headquartered in Oshkosh and is the 14^st largest credit union in the state of Wisconsin. It is also the 534^th largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 92 employees and 28,642 members. Citizensfirst Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Citizensfirst Credit Union Routing Number: 275981187

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Data for Q4 2011

Institution Statistics CITIZENSFIRST NCUA # 66777 BankRate Report View Year Chartered 1938 Employees 92 Primary Regulator Assets and Liabilities Assets $360.21 million Loans $307.57 million Deposits $310.59 million Equity Capital $37.44 million Loan Loss Allowance $3.86 million Unbacked Noncurrent Loans $3.09 million Real Estate Owned $3.14 million Historic Data - December 2010 Assets $341.34 million Equity Capital $35.83 million Loan Loss Allowance $4.01 million Unbacked Noncurrent Loans $5.05 million Real Estate Owned $5.17 million Profit Margin - Quarterly Net Interest Margin 4.09% Return on Assets 0.44% Return on Equity 4.28% Interest Income $15.51 million Non-Interest Income $4.45 million

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, 2011 Citizensfirst Credit Union had $6.23 million in non-current loans and owned real-estate with $41.3 million in equity and loan loss allowances on hand to cover it. This gives Citizensfirst Credit Union a Texas Ratio of 15.08% 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 Citizensfirst Credit Union decreased significantly from 25.66% as of December 31, 2010 to 15.08% as of December 31, 2011, resulting in a positive change of 41.24%.This indicates that the balance sheet and financial strength for Citizensfirst Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Citizensfirst Credit Union has increased its total deposits by $17.69 million, resulting in 6.04% 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 Citizensfirst 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. Citizensfirst Credit Union has $360.21 million in assets with $41.3 million in equity, resulting in a capitalization level of 11.46%, which is above average.

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