Fire Department Credit Union

Fire Department Credit Union is headquartered in Superior and is the 183^rd largest credit union in the state of Wisconsin. It is also the 6,523^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 451 members. Fire Department Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics FIRE DEPARTMENT NCUA # 67065 BankRate Report View Year Chartered 1932 Employees 1 Primary Regulator Assets and Liabilities Assets $1.45 million Loans $915,000 Deposits $1.17 million Equity Capital $285,000 Loan Loss Allowance $7,000 Historic Data - December 2010 Assets $1.46 million Equity Capital $285,000 Loan Loss Allowance $4,000 Unbacked Noncurrent Loans $4,000 Profit Margin - Quarterly Net Interest Margin 6.57% Return on Assets 0% Return on Equity 0% Interest Income $72,000

Institution Health Overall Score: 5 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 Fire Department Credit Union had $0 in non-current loans and owned real-estate with $292,000 in equity and loan loss allowances on hand to cover it. This gives Fire Department Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Fire Department Credit Union has decreased its total deposits by $-8,000, resulting in -0.68% 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 Fire Department Credit Union has shown is 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. Fire Department Credit Union has $1.45 million in assets with $292,000 in equity, resulting in a capitalization level of 20.11%, which is excellent.

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