Kilowatt Credit Union

4902 N Biltmore Lane
Madison, WI 53718
800-752-0924
www.kilowattcu.org

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Kilowatt Credit Union is headquartered in Madison and is the 104^th largest credit union in the state of Wisconsin. It is also the 3,369^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 4 employees and 3,757 members. Kilowatt Credit Union has a 5-star health rating.

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See Rates for: Savings | Money Market | CD | IRA

Kilowatt Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	Regular Share Account
0.10%	-	-	Special Savings Account
0.10%	-	-	Christmas Club
0.10%	-	-	IRA Share Account
0.10%	-	-	Educational IRA Share Account
0.10%	-	-	Roth IRA Share Account

Kilowatt Credit Union Money Market Rates

Apy	Min	Max	Product
0.15%	$10k	-	Money Market Supreme Account
0.12%	$2k	-	Money Market Account

Kilowatt Credit Union CD Rates

Apy	Min	Max	Product
0.50%	$10k	-	24 Month Bump-Up CD
0.50%	$10k	-	36 Month Bump-Up CD
0.50%	$10k	-	48 Month Bump-Up CD
0.50%	$10k	-	60 Month Bump-Up CD
0.35%	$10k	-	18 Month CD
0.25%	$10k	-	12 Month CD
0.15%	$10k	-	6 Month CD

Kilowatt Credit Union IRA Rates

Apy	Min	Max	Product
0.50%	$10k	-	24 Month Bump-Up IRA Certificate
0.50%	$10k	-	36 Month Bump-Up IRA Certificate
0.50%	$10k	-	48 Month Bump-Up IRA Certificate
0.50%	$10k	-	60 Month Bump-Up IRA Certificate
0.50%	$10k	-	24 Month Bump-Up Educational IRA Certificate
0.50%	$10k	-	36 Month Bump-Up Educational IRA Certificate
0.50%	$10k	-	48 Month Bump-Up Educational IRA Certificate
0.50%	$10k	-	60 Month Bump-Up Educational IRA Certificate
0.50%	$10k	-	24 Month Bump-Up Roth IRA Certificate
0.50%	$10k	-	36 Month Bump-Up Roth IRA Certificate
0.50%	$10k	-	48 Month Bump-Up Roth IRA Certificate
0.50%	$10k	-	60 Month Bump-Up Roth IRA Certificate
0.50%	$10k	-	24 Month Bump-Up Roth Conversion IRA Certificate
0.50%	$10k	-	36 Month Bump-Up Roth Conversion IRA Certificate
0.50%	$10k	-	48 Month Bump-Up Roth Conversion IRA Certificate
0.50%	$10k	-	60 Month Bump-Up Roth Conversion IRA Certificate
0.35%	$10k	-	18 Month IRA Certificate
0.35%	$10k	-	18 Month Educational IRA Certificate
0.35%	$10k	-	18 Month Roth IRA Certificate
0.35%	$10k	-	18 Month Roth Conversion IRA Certificate
0.25%	$10k	-	12 Month IRA Certificate
0.25%	$10k	-	12 Month Educational IRA Certificate
0.25%	$10k	-	12 Month Roth IRA Certificate
0.25%	$10k	-	12 Month Roth Conversion IRA Certificate
0.15%	$10k	-	6 Month IRA Certificate
0.15%	$10k	-	6 Month Educational IRA Certificate
0.15%	$10k	-	6 Month Roth IRA Certificate
0.15%	$10k	-	6 Month Roth Conversion IRA Certificate

Rates updated: 5/25/2012

Data for Q4 2011

Institution Statistics

KILOWATT
NCUA #	66384
BankRate Report	View
Year Chartered	1935
Employees	4
Primary Regulator
Assets and Liabilities
Assets	$22.63 million
Loans	$9.08 million
Deposits	$18.81 million
Equity Capital	$3.81 million
Loan Loss Allowance	$58,000
Unbacked Noncurrent Loans	$15,000
Historic Data - December 2010
Assets	$22.68 million
Equity Capital	$3.79 million
Loan Loss Allowance	$44,000
Unbacked Noncurrent Loans	$5,000
Profit Margin - Quarterly
Net Interest Margin	4.03%
Return on Assets	-0.32%
Return on Equity	-1.89%
Interest Income	$605,000
Non-Interest Income	$26,000

Institution Health

Overall Score:

5 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 Kilowatt Credit Union had $15,000 in non-current loans and owned real-estate with $3.87 million in equity and loan loss allowances on hand to cover it. This gives Kilowatt Credit Union a Texas Ratio of 0.39% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Kilowatt Credit Union held steady from 0.13% as of December 31, 2010 to 0.39% as of December 31, 2011, resulting in a negative change of 197.13%. This indicates that the balance sheet and financial strength for Kilowatt Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Kilowatt Credit Union has decreased its total deposits by $-78,000, resulting in -0.41% 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 Kilowatt 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. Kilowatt Credit Union has $22.62 million in assets with $3.87 million in equity, resulting in a capitalization level of 17.10%, which is excellent.

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