Lco Credit Union

Lco Credit Union is headquartered in Hayward and is the 182^nd largest credit union in the state of Wisconsin. It is also the 6,491^st largest credit union in the nation. It was established in 2001 and as of December of 2011, it had grown to 3 employees and 1,790 members. Lco Credit Union has a 1-star health rating.

Data for Q4 2011

Institution Statistics LCO NCUA # 24648 BankRate Report View Year Chartered 2001 Employees 3 Primary Regulator Assets and Liabilities Assets $1.56 million Loans $1.21 million Deposits $1.40 million Equity Capital $25,000 Loan Loss Allowance $48,000 Unbacked Noncurrent Loans $54,000 Historic Data - December 2010 Assets $1.72 million Equity Capital $25,000 Loan Loss Allowance $33,000 Unbacked Noncurrent Loans $34,000 Profit Margin - Quarterly Net Interest Margin 7.71% Return on Assets 0% Return on Equity 0% Interest Income $104,000 Non-Interest Income $43,000

Institution Health Overall Score: 1 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 Lco Credit Union had $54,000 in non-current loans and owned real-estate with $73,000 in equity and loan loss allowances on hand to cover it. This gives Lco Credit Union a Texas Ratio of 73.97% 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 Lco Credit Union increased slightly from 58.62% as of December 31, 2010 to 73.97% as of December 31, 2011, resulting in a negative change of 26.19%. This indicates that the balance sheet and financial strength for Lco Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Lco Credit Union has decreased its total deposits by $-164,000, resulting in -10.47% 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 Lco Credit Union has shown is poor. 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. Lco Credit Union has $1.56 million in assets with $73,000 in equity, resulting in a capitalization level of 4.69%, which is poor.

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