Northwoods Community Credit Union

Northwoods Community Credit Union is headquartered in PARK FALLS and is the 55^th largest credit union in the state of Wisconsin. It is also the 1,834^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 25 employees and 7,830 members. Northwoods Community Credit Union's savings rates are 92% higher than the national average, and it has a 4-star health rating.

Northwoods Community Credit Union Routing Number: 291580698

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Data for Q4 2011

Institution Statistics NORTHWOODS COMMUNITY NCUA # 67240 BankRate Report View Year Chartered 1953 Employees 25 Primary Regulator Assets and Liabilities Assets $69.04 million Loans $42.05 million Deposits $60.03 million Equity Capital $8.79 million Loan Loss Allowance $240,000 Unbacked Noncurrent Loans $1.72 million Real Estate Owned $378,000 Historic Data - December 2010 Assets $65.80 million Equity Capital $8.50 million Loan Loss Allowance $121,000 Unbacked Noncurrent Loans $761,000 Real Estate Owned $24,000 Profit Margin - Quarterly Net Interest Margin 5.44% Return on Assets 0.41% Return on Equity 3.21% Interest Income $2.83 million Non-Interest Income $574,000

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 Northwoods Community Credit Union had $2.1 million in non-current loans and owned real-estate with $9.03 million in equity and loan loss allowances on hand to cover it. This gives Northwoods Community Credit Union a Texas Ratio of 23.21% 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 Northwoods Community Credit Union increased slightly from 9.11% as of December 31, 2010 to 23.21% as of December 31, 2011, resulting in a negative change of 154.76%. This indicates that the balance sheet and financial strength for Northwoods Community Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Northwoods Community Credit Union has increased its total deposits by $3.13 million, resulting in 5.51% 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 Northwoods Community Credit Union 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. Northwoods Community Credit Union has $69.04 million in assets with $9.03 million in equity, resulting in a capitalization level of 13.07%, which is excellent.

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