Fox Communities Credit Union

Fox Communities Credit Union is headquartered in Appleton and is the 9^th largest credit union in the state of Wisconsin. It is also the 237^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 174 employees and 69,727 members. Fox Communities Credit Union's savings rates are 2X the national average, and it boasts a 5-star health rating.

Fox Communities Credit Union Routing Number: 275977256

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Data for Q4 2011

Institution Statistics FOX COMMUNITIES NCUA # 66731 BankRate Report View Year Chartered 1937 Employees 174 Primary Regulator Assets and Liabilities Assets $803.60 million Loans $632.37 million Deposits $600.41 million Equity Capital $82.72 million Loan Loss Allowance $6.63 million Unbacked Noncurrent Loans $5.37 million Real Estate Owned $4.41 million Historic Data - December 2010 Assets $760.86 million Equity Capital $75.34 million Loan Loss Allowance $7.14 million Unbacked Noncurrent Loans $9.79 million Real Estate Owned $6.51 million Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 0.92% Return on Equity 8.95% Interest Income $33.44 million Non-Interest Income $9.92 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 Fox Communities Credit Union had $9.78 million in non-current loans and owned real-estate with $89.35 million in equity and loan loss allowances on hand to cover it. This gives Fox Communities Credit Union a Texas Ratio of 10.95% 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 Fox Communities Credit Union decreased significantly from 19.76% as of December 31, 2010 to 10.95% as of December 31, 2011, resulting in a positive change of 44.60%.This indicates that the balance sheet and financial strength for Fox Communities Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Fox Communities Credit Union has increased its total deposits by $42 million, resulting in 7.52% 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 Fox Communities 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. Fox Communities Credit Union has $803.6 million in assets with $89.35 million in equity, resulting in a capitalization level of 11.12%, which is above average.

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