Iron County Community Credit Union

Iron County Community Credit Union is headquartered in HURLEY and is the 114^st largest credit union in the state of Wisconsin. It is also the 3,798^th largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 7 employees and 3,121 members. Iron County Community Credit Union's savings rates are 44% higher than the national average, and it has a 4-star health rating.

Iron County Community Credit Union Routing Number: 291580504

Iron County Community Credit Union Savings Account Rates

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Iron County Community Credit Union IRA Rates

Data for Q4 2011

Institution Statistics IRON COUNTY COMMUNITY NCUA # 66503 BankRate Report View Year Chartered 1950 Employees 7 Primary Regulator Assets and Liabilities Assets $17.15 million Loans $10.84 million Deposits $14.78 million Equity Capital $2.33 million Loan Loss Allowance $240,000 Unbacked Noncurrent Loans $416,000 Real Estate Owned $25,000 Historic Data - December 2010 Assets $15.62 million Equity Capital $2.20 million Loan Loss Allowance $344,000 Unbacked Noncurrent Loans $515,000 Profit Margin - Quarterly Net Interest Margin 6.38% Return on Assets 0.73% Return on Equity 5.41% Interest Income $783,000 Non-Interest Income $178,000

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 Iron County Community Credit Union had $441,000 in non-current loans and owned real-estate with $2.57 million in equity and loan loss allowances on hand to cover it. This gives Iron County Community Credit Union a Texas Ratio of 17.17% 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 Iron County Community Credit Union decreased slightly from 20.23% as of December 31, 2010 to 17.17% as of December 31, 2011, resulting in a positive change of 15.10%.This indicates that the balance sheet and financial strength for Iron County Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Iron County Community Credit Union has increased its total deposits by $1.41 million, resulting in 10.57% 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 Iron County 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. Iron County Community Credit Union has $17.15 million in assets with $2.57 million in equity, resulting in a capitalization level of 14.97%, which is excellent.

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