Golden Rule Community Credit Union

Golden Rule Community Credit Union is headquartered in RIPON and is the 89^th largest credit union in the state of Wisconsin. It is also the 3,003^rd largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 5 employees and 3,924 members. Golden Rule Community Credit Union's savings rates are 46% higher than the national average, and it has a 4-star health rating.

Golden Rule Community Credit Union Routing Number: 275981543

Golden Rule Community Credit Union Checking Account Rates

Golden Rule Community Credit Union Savings Account Rates

Golden Rule Community Credit Union Money Market Rates

Golden Rule Community Credit Union CD Rates

Golden Rule Community Credit Union IRA Rates

Data for Q4 2011

Institution Statistics GOLDEN RULE COMMUNITY NCUA # 67096 BankRate Report View Year Chartered 1938 Employees 5 Primary Regulator Assets and Liabilities Assets $28.71 million Loans $21.62 million Deposits $26.51 million Equity Capital $2.14 million Loan Loss Allowance $284,000 Unbacked Noncurrent Loans $659,000 Historic Data - December 2010 Assets $27.02 million Equity Capital $1.95 million Loan Loss Allowance $218,000 Unbacked Noncurrent Loans $834,000 Profit Margin - Quarterly Net Interest Margin 5.66% Return on Assets 0.64% Return on Equity 8.61% Interest Income $1.44 million Non-Interest Income $172,000

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 Golden Rule Community Credit Union had $659,000 in non-current loans and owned real-estate with $2.42 million in equity and loan loss allowances on hand to cover it. This gives Golden Rule Community Credit Union a Texas Ratio of 27.23% 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 Golden Rule Community Credit Union decreased slightly from 38.47% as of December 31, 2010 to 27.23% as of December 31, 2011, resulting in a positive change of 29.21%.This indicates that the balance sheet and financial strength for Golden Rule Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Golden Rule Community Credit Union has increased its total deposits by $1.51 million, resulting in 6.02% 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 Golden Rule Community 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. Golden Rule Community Credit Union has $28.71 million in assets with $2.42 million in equity, resulting in a capitalization level of 8.43%, which is average.

No reviews have been left for this bank yet. Be the first to review.