Focus Credit Union (WI)

Focus Credit Union (WI) is headquartered in Wauwatosa and is the 77^th largest credit union in the state of Wisconsin. It is also the 2,624^th largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 13 employees and 7,109 members. Focus Credit Union (WI) has a 3-star health rating.

Focus Credit Union (WI) Savings Account Rates

Focus Credit Union (WI) Money Market Rates

Focus Credit Union (WI) CD Rates

Data for Q4 2011

Institution Statistics FOCUS NCUA # 66451 BankRate Report View Year Chartered 1964 Employees 13 Primary Regulator Assets and Liabilities Assets $37.26 million Loans $32.20 million Deposits $34.84 million Equity Capital $2.12 million Loan Loss Allowance $584,000 Unbacked Noncurrent Loans $778,000 Historic Data - December 2010 Assets $37.64 million Equity Capital $1.99 million Loan Loss Allowance $858,000 Unbacked Noncurrent Loans $965,000 Profit Margin - Quarterly Net Interest Margin 5.93% Return on Assets 0.36% Return on Equity 6.26% Interest Income $2.14 million Non-Interest Income $778,000

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 Focus Credit Union (WI) had $778,000 in non-current loans and owned real-estate with $2.71 million in equity and loan loss allowances on hand to cover it. This gives Focus Credit Union (WI) a Texas Ratio of 28.74% 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 Focus Credit Union (WI) decreased slightly from 33.91% as of December 31, 2010 to 28.74% as of December 31, 2011, resulting in a positive change of 15.24%.This indicates that the balance sheet and financial strength for Focus Credit Union (WI) has improved slightly in recent periods. Deposit Growth In the past year, Focus Credit Union (WI) has decreased its total deposits by $-636,000, resulting in -1.79% 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 Focus Credit Union (WI) has shown is below 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. Focus Credit Union (WI) has $37.26 million in assets with $2.71 million in equity, resulting in a capitalization level of 7.26%, which is below average.

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