Metro CU (WI)

Metro CU (WI) is headquartered in Superior and is the 84^th largest credit union in the state of Wisconsin. It is also the 2,920^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 16 employees and 5,792 members. Metro CU (WI) has a 3-star health rating.

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Data for Q4 2011

Institution Statistics METRO NCUA # 67193 BankRate Report View Year Chartered 1937 Employees 16 Primary Regulator Assets and Liabilities Assets $30.38 million Loans $17.21 million Deposits $27.26 million Equity Capital $3.02 million Loan Loss Allowance $518,000 Unbacked Noncurrent Loans $690,000 Historic Data - December 2010 Assets $30.79 million Equity Capital $3.11 million Loan Loss Allowance $605,000 Unbacked Noncurrent Loans $953,000 Real Estate Owned $56,000 Profit Margin - Quarterly Net Interest Margin 5.87% Return on Assets -0.3% Return on Equity -3.05% Interest Income $1.15 million Non-Interest Income $409,000

Institution Health Overall Score: 3 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 Metro CU (WI) had $690,000 in non-current loans and owned real-estate with $3.54 million in equity and loan loss allowances on hand to cover it. This gives Metro CU (WI) a Texas Ratio of 19.51% 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 Metro CU (WI) decreased slightly from 27.16% as of December 31, 2010 to 19.51% as of December 31, 2011, resulting in a positive change of 28.15%.This indicates that the balance sheet and financial strength for Metro CU (WI) has improved slightly in recent periods. Deposit Growth In the past year, Metro CU (WI) has decreased its total deposits by $-307,000, resulting in -1.11% 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 Metro CU (WI) has shown is below 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. Metro CU (WI) has $30.38 million in assets with $3.54 million in equity, resulting in a capitalization level of 11.64%, which is above average.

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