Members First CU (WI)

Members First CU (WI) is headquartered in Madison and is the 111^st largest credit union in the state of Wisconsin. It is also the 3,751^st largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 7 employees and 2,759 members. Members First CU (WI) has a 4-star health rating.

Members First CU (WI) Savings Account Rates

Members First CU (WI) CD Rates

Data for Q4 2011

Institution Statistics MEMBERS FIRST NCUA # 67008 BankRate Report View Year Chartered 1955 Employees 7 Primary Regulator Assets and Liabilities Assets $17.73 million Loans $16.04 million Deposits $15.86 million Equity Capital $1.83 million Loan Loss Allowance $413,000 Unbacked Noncurrent Loans $554,000 Historic Data - December 2010 Assets $17.18 million Equity Capital $1.81 million Loan Loss Allowance $331,000 Unbacked Noncurrent Loans $486,000 Real Estate Owned $72,000 Profit Margin - Quarterly Net Interest Margin 6.44% Return on Assets 0.14% Return on Equity 1.31% Interest Income $1.21 million Non-Interest Income $226,000

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 Members First CU (WI) had $554,000 in non-current loans and owned real-estate with $2.24 million in equity and loan loss allowances on hand to cover it. This gives Members First CU (WI) a Texas Ratio of 24.68% 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 Members First CU (WI) held steady from 26.09% as of December 31, 2010 to 24.68% as of December 31, 2011, resulting in a positive change of 5.40%.This indicates that the balance sheet and financial strength for Members First CU (WI) has held steady in recent periods. Deposit Growth In the past year, Members First CU (WI) has increased its total deposits by $530,000, resulting in 3.46% 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 Members First CU (WI) 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. Members First CU (WI) has $17.73 million in assets with $2.24 million in equity, resulting in a capitalization level of 12.66%, which is excellent.

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