Community CU (WI)

Community CU (WI) is headquartered in LA CROSSE and is the 41^st largest credit union in the state of Wisconsin. It is also the 1,378^th largest credit union in the nation. It was established in 1931 and as of December of 2011, it had grown to 54 employees and 11,073 members. Community CU (WI) has a 3-star health rating.

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Data for Q4 2011

Institution Statistics COMMUNITY NCUA # 67253 BankRate Report View Year Chartered 1931 Employees 54 Primary Regulator Assets and Liabilities Assets $105.74 million Loans $84.60 million Deposits $94.43 million Equity Capital $10.43 million Loan Loss Allowance $1.91 million Unbacked Noncurrent Loans $5.60 million Real Estate Owned $77,000 Historic Data - December 2010 Assets $104.41 million Equity Capital $10.93 million Loan Loss Allowance $1.25 million Unbacked Noncurrent Loans $4.73 million Real Estate Owned $163,000 Profit Margin - Quarterly Net Interest Margin 5.29% Return on Assets -0.47% Return on Equity -4.72% Interest Income $5.22 million Non-Interest Income $1.21 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 Community CU (WI) had $5.68 million in non-current loans and owned real-estate with $12.34 million in equity and loan loss allowances on hand to cover it. This gives Community CU (WI) a Texas Ratio of 46.00% 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 Community CU (WI) held steady from 40.13% as of December 31, 2010 to 46.00% as of December 31, 2011, resulting in a negative change of 14.61%. This indicates that the balance sheet and financial strength for Community CU (WI) has held steady in recent periods. Deposit Growth In the past year, Community CU (WI) has increased its total deposits by $1.48 million, resulting in 1.59% 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 Community CU (WI) has shown is above average. 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. Community CU (WI) has $105.74 million in assets with $12.34 million in equity, resulting in a capitalization level of 11.67%, which is above average.

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