Firefighters Credit Union

Firefighters Credit Union is headquartered in LA CROSSE and is the 61^st largest credit union in the state of Wisconsin. It is also the 1,973^rd largest credit union in the nation. It was established in 1931 and as of December of 2011, it had grown to 22 employees and 4,352 members. Firefighters Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics FIREFIGHTERS NCUA # 66423 BankRate Report View Year Chartered 1931 Employees 22 Primary Regulator Assets and Liabilities Assets $61.60 million Loans $54.49 million Deposits $52.88 million Equity Capital $7.30 million Loan Loss Allowance $216,000 Unbacked Noncurrent Loans $1.20 million Real Estate Owned $248,000 Historic Data - December 2010 Assets $57.12 million Equity Capital $6.65 million Loan Loss Allowance $191,000 Unbacked Noncurrent Loans $881,000 Real Estate Owned $217,000 Profit Margin - Quarterly Net Interest Margin 4% Return on Assets 1.05% Return on Equity 8.84% Interest Income $2.99 million Non-Interest Income $765,000

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 Firefighters Credit Union had $1.44 million in non-current loans and owned real-estate with $7.51 million in equity and loan loss allowances on hand to cover it. This gives Firefighters Credit Union a Texas Ratio of 19.22% 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 Firefighters Credit Union held steady from 16.05% as of December 31, 2010 to 19.22% as of December 31, 2011, resulting in a negative change of 19.76%. This indicates that the balance sheet and financial strength for Firefighters Credit Union has held steady in recent periods. Deposit Growth In the past year, Firefighters Credit Union has increased its total deposits by $3.2 million, resulting in 6.45% 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 Firefighters 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. Firefighters Credit Union has $61.6 million in assets with $7.51 million in equity, resulting in a capitalization level of 12.20%, which is excellent.

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