Dane County Credit Union

Dane County Credit Union is headquartered in Madison and is the 36^th largest credit union in the state of Wisconsin. It is also the 1,251^st largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 49 employees and 13,777 members. Dane County Credit Union's savings rates are 5X the national average, and it has a 4-star health rating.

Dane County Credit Union Routing Number: 275978750

Dane County Credit Union Checking Account Rates

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Data for Q4 2011

Institution Statistics DANE COUNTY NCUA # 66884 BankRate Report View Year Chartered 1935 Employees 49 Primary Regulator Assets and Liabilities Assets $120.32 million Loans $79.43 million Deposits $107.27 million Equity Capital $11.81 million Loan Loss Allowance $626,000 Unbacked Noncurrent Loans $1.29 million Real Estate Owned $149,000 Historic Data - December 2010 Assets $114.73 million Equity Capital $11.65 million Loan Loss Allowance $609,000 Unbacked Noncurrent Loans $1.79 million Profit Margin - Quarterly Net Interest Margin 5.11% Return on Assets 0.13% Return on Equity 1.37% Interest Income $5.28 million Non-Interest Income $1.70 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 Dane County Credit Union had $1.44 million in non-current loans and owned real-estate with $12.44 million in equity and loan loss allowances on hand to cover it. This gives Dane County Credit Union a Texas Ratio of 11.54% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Dane County Credit Union decreased slightly from 14.62% as of December 31, 2010 to 11.54% as of December 31, 2011, resulting in a positive change of 21.03%.This indicates that the balance sheet and financial strength for Dane County Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Dane County Credit Union has increased its total deposits by $4.95 million, resulting in 4.84% 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 Dane County Credit Union 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. Dane County Credit Union has $120.32 million in assets with $12.44 million in equity, resulting in a capitalization level of 10.34%, which is above average.

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