Landmark CU (WI)

Landmark CU (WI) is headquartered in New Berlin and is the largest credit union in the state of Wisconsin. It is also the 75^th largest credit union in the nation. It was established in 1933 and as of December of 2011, it had grown to 393 employees and 188,170 members. Landmark CU (WI)'s savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics LANDMARK NCUA # 66751 BankRate Report View Year Chartered 1933 Employees 393 Primary Regulator Assets and Liabilities Assets $1.78 billion Loans $1.54 billion Deposits $1.61 billion Equity Capital $139.09 million Loan Loss Allowance $13.83 million Unbacked Noncurrent Loans $33.87 million Real Estate Owned $2.91 million Historic Data - December 2010 Assets $1.54 billion Equity Capital $117.56 million Loan Loss Allowance $12.03 million Unbacked Noncurrent Loans $34.01 million Real Estate Owned $3.07 million Profit Margin - Quarterly Net Interest Margin 3.53% Return on Assets 0.84% Return on Equity 10.68% Interest Income $69.62 million Non-Interest Income $25.36 million

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 Landmark CU (WI) had $36.78 million in non-current loans and owned real-estate with $152.92 million in equity and loan loss allowances on hand to cover it. This gives Landmark CU (WI) a Texas Ratio of 24.05% 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 Landmark CU (WI) decreased slightly from 28.62% as of December 31, 2010 to 24.05% as of December 31, 2011, resulting in a positive change of 15.96%.This indicates that the balance sheet and financial strength for Landmark CU (WI) has improved slightly in recent periods. Deposit Growth In the past year, Landmark CU (WI) has increased its total deposits by $220.86 million, resulting in 15.9% 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 Landmark CU (WI) 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. Landmark CU (WI) has $1.78 billion in assets with $152.92 million in equity, resulting in a capitalization level of 8.60%, which is average.