First Community Cu Of Beloit

First Community Cu Of Beloit is headquartered in Beloit and is the 48^th largest credit union in the state of Wisconsin. It is also the 1,665^th largest credit union in the nation. It was established in 1933 and as of December of 2011, it had grown to 38 employees and 14,501 members. First Community Cu Of Beloit has a 5-star health rating.

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Data for Q4 2011

Institution Statistics FIRST COMMUNITY CU OF BELOIT NCUA # 67214 BankRate Report View Year Chartered 1933 Employees 38 Primary Regulator Assets and Liabilities Assets $79.39 million Loans $66.50 million Deposits $68.47 million Equity Capital $10.28 million Loan Loss Allowance $589,000 Unbacked Noncurrent Loans $256,000 Real Estate Owned $20,000 Historic Data - December 2010 Assets $71.38 million Equity Capital $9.03 million Loan Loss Allowance $681,000 Unbacked Noncurrent Loans $408,000 Real Estate Owned $204,000 Profit Margin - Quarterly Net Interest Margin 4.57% Return on Assets 1.57% Return on Equity 12.11% Interest Income $3.60 million Non-Interest Income $1.34 million

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 First Community Cu Of Beloit had $276,000 in non-current loans and owned real-estate with $10.86 million in equity and loan loss allowances on hand to cover it. This gives First Community Cu Of Beloit a Texas Ratio of 2.54% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Community Cu Of Beloit decreased significantly from 6.30% as of December 31, 2010 to 2.54% as of December 31, 2011, resulting in a positive change of 59.69%.This indicates that the balance sheet and financial strength for First Community Cu Of Beloit has improved significantly in recent periods. Deposit Growth In the past year, First Community Cu Of Beloit has increased its total deposits by $6.6 million, resulting in 10.67% 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 First Community Cu Of Beloit 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. First Community Cu Of Beloit has $79.39 million in assets with $10.86 million in equity, resulting in a capitalization level of 13.68%, which is excellent.

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