Glacier Hills Credit Union

Glacier Hills Credit Union is headquartered in West Bend and is the 51^st largest credit union in the state of Wisconsin. It is also the 1,750^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 36 employees and 12,239 members. Glacier Hills Credit Union's savings rates are 6X the national average, and it has a 4-star health rating.

Glacier Hills Credit Union Routing Number: 275982526

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Data for Q4 2011

Institution Statistics GLACIER HILLS NCUA # 67238 BankRate Report View Year Chartered 1934 Employees 36 Primary Regulator Assets and Liabilities Assets $74.38 million Loans $55.20 million Deposits $67.71 million Equity Capital $5.90 million Loan Loss Allowance $514,000 Unbacked Noncurrent Loans $1.14 million Historic Data - December 2010 Assets $68.70 million Equity Capital $5.46 million Loan Loss Allowance $420,000 Unbacked Noncurrent Loans $792,000 Real Estate Owned $30,000 Profit Margin - Quarterly Net Interest Margin 5.23% Return on Assets 0.58% Return on Equity 7.38% Interest Income $3.30 million Non-Interest Income $1.14 million

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 Glacier Hills Credit Union had $1.14 million in non-current loans and owned real-estate with $6.41 million in equity and loan loss allowances on hand to cover it. This gives Glacier Hills Credit Union a Texas Ratio of 17.79% 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 Glacier Hills Credit Union held steady from 13.97% as of December 31, 2010 to 17.79% as of December 31, 2011, resulting in a negative change of 27.36%. This indicates that the balance sheet and financial strength for Glacier Hills Credit Union has held steady in recent periods. Deposit Growth In the past year, Glacier Hills Credit Union has increased its total deposits by $5.34 million, resulting in 8.56% 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 Glacier Hills 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. Glacier Hills Credit Union has $74.38 million in assets with $6.41 million in equity, resulting in a capitalization level of 8.62%, which is average.

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