Northwoods Community Credit Union

Northwoods Community Credit Union is headquartered in Park Falls and is the 52^nd largest credit union in the state of Wisconsin. It is also the 1,743^rd largest credit union in the nation. It was established in 1953 and as of December of 2012, it had grown to 29 employees and 8,144 members. Northwoods Community Credit Union's CD rates are 22% higher than the national average, and it boasts a 5-star health rating.

Northwoods Community Credit Union Routing Number: 291580698

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Data for Q4 2012

Institution Statistics NORTHWOODS COMMUNITY NCUA # 67240 BankRate Report View Year Chartered 1953 Employees 29 Primary Regulator Assets and Liabilities Assets $77.70 million Loans $45.15 million Deposits $68.40 million Equity Capital $9.02 million Loan Loss Allowance $318,000 Unbacked Noncurrent Loans $1.13 million Real Estate Owned $161,000 Historic Data - December 2011 Assets $69.04 million Equity Capital $8.79 million Loan Loss Allowance $240,000 Unbacked Noncurrent Loans $1.72 million Real Estate Owned $378,000 Profit Margin - Quarterly Net Interest Margin 5.03% Return on Assets 0.28% Return on Equity 2.37% Interest Income $2.75 million Non-Interest Income $548,000

Institution Health Overall Score: 5 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, 2012 Northwoods Community Credit Union had $1.29 million in non-current loans and owned real-estate with $9.34 million in equity and loan loss allowances on hand to cover it. This gives Northwoods Community Credit Union a Texas Ratio of 13.80% which is above 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 decreased significantly from 23.21% as of December 31, 2011 to 13.80% as of December 31, 2012, resulting in a positive change of 40.54%.This indicates that the balance sheet and financial strength for Northwoods Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Northwoods Community Credit Union has increased its total deposits by $8.38 million, resulting in 13.95% 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 $77.7 million in assets with $9.34 million in equity, resulting in a capitalization level of 12.02%, which is excellent.

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