Hayward Community Credit Union

Hayward Community Credit Union is headquartered in Hayward and is the 60^th largest credit union in the state of Wisconsin. It is also the 1,945^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 20 employees and 5,528 members. Hayward Community Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics HAYWARD COMMUNITY NCUA # 66881 BankRate Report View Year Chartered 1935 Employees 20 Primary Regulator Assets and Liabilities Assets $62.69 million Loans $38.26 million Deposits $55.96 million Equity Capital $6.68 million Loan Loss Allowance $497,000 Unbacked Noncurrent Loans $1.44 million Real Estate Owned $341,000 Historic Data - December 2010 Assets $60.67 million Equity Capital $6.09 million Loan Loss Allowance $486,000 Unbacked Noncurrent Loans $1.67 million Real Estate Owned $327,000 Profit Margin - Quarterly Net Interest Margin 4.9% Return on Assets 0.43% Return on Equity 4.01% Interest Income $2.96 million Non-Interest Income $196,000

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 Hayward Community Credit Union had $1.78 million in non-current loans and owned real-estate with $7.18 million in equity and loan loss allowances on hand to cover it. This gives Hayward Community Credit Union a Texas Ratio of 24.84% 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 Hayward Community Credit Union decreased slightly from 30.39% as of December 31, 2010 to 24.84% as of December 31, 2011, resulting in a positive change of 18.25%.This indicates that the balance sheet and financial strength for Hayward Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Hayward Community Credit Union has increased its total deposits by $1.47 million, resulting in 2.7% 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 Hayward Community Credit Union has shown is above 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. Hayward Community Credit Union has $62.69 million in assets with $7.18 million in equity, resulting in a capitalization level of 11.45%, which is above average.

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