Harbor Credit Union

Harbor Credit Union is headquartered in GREEN BAY and is the 43^rd largest credit union in the state of Wisconsin. It is also the 1,430^th largest credit union in the nation. It was established in 1952 and as of September of 2011, it had grown to 39 employees and 13,423 members. Harbor Credit Union has a 3-star health rating.

Harbor Credit Union Routing Number: 275977832

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Data for Q3 2011

Institution Statistics HARBOR NCUA # 66849 BankRate Report View Year Established 1952 Employees 39 Primary Regulator Assets and Liabilities Assets $100.16 million Loans $79.89 million Deposits $89.91 million Equity Capital $9.77 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $4.15 million Real Estate Owned $616,000 Historic Data - September 2010 Assets $101.90 million Equity Capital $11.43 million Loan Loss Allowance $780,000 Unbacked Noncurrent Loans $2.71 million Real Estate Owned $522,000 Profit Margin - Quarterly Net Interest Margin 2.9% Return on Assets -1.98% Return on Equity -20.32% Interest Income $2.98 million Non-Interest Income $1.07 million

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 September 30, 2011 Harbor Credit Union had $4.76 million in non-current loans and owned real-estate with $11.96 million in equity and loan loss allowances on hand to cover it. This gives Harbor Credit Union a Texas Ratio of 39.81% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Harbor Credit Union increased slightly from 26.42% as of September 30, 2010 to 39.81% as of September 30, 2011, resulting in a negative change of 50.66%. This indicates that the balance sheet and financial strength for Harbor Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Harbor Credit Union has decreased its total deposits by $-93,000, resulting in -0.1% 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 Harbor Credit Union has shown is 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. Harbor Credit Union has $100.16 million in assets with $11.96 million in equity, resulting in a capitalization level of 11.95%, which is above average.

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