Oelwein-Cresco Credit Union

Oelwein-Cresco Credit Union is headquartered in Cresco and is the 118^st largest credit union in the state of Iowa. It is also the 6,648^th largest credit union in the nation. It was established in 1974 and as of December of 2011, it had grown to employees and 367 members. Oelwein-Cresco Credit Union has a 5-star health rating.

Oelwein-Cresco Credit Union Routing Number: 073983141

Data for Q4 2011

Institution Statistics OELWEIN-CRESCO NCUA # 64329 BankRate Report View Year Chartered 1974 Employees 0 Primary Regulator Assets and Liabilities Assets $1.12 million Loans $477,000 Deposits $880,000 Equity Capital $244,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $17,000 Historic Data - December 2010 Assets $1.03 million Equity Capital $252,000 Loan Loss Allowance $13,000 Unbacked Noncurrent Loans $28,000 Profit Margin - Quarterly Net Interest Margin 7.4% Return on Assets -0.62% Return on Equity -2.87% Interest Income $44,000 Non-Interest Income $1,000

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, 2011 Oelwein-Cresco Credit Union had $17,000 in non-current loans and owned real-estate with $253,000 in equity and loan loss allowances on hand to cover it. This gives Oelwein-Cresco Credit Union a Texas Ratio of 6.72% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Oelwein-Cresco Credit Union decreased slightly from 10.57% as of December 31, 2010 to 6.72% as of December 31, 2011, resulting in a positive change of 36.41%.This indicates that the balance sheet and financial strength for Oelwein-Cresco Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Oelwein-Cresco Credit Union has increased its total deposits by $102,000, resulting in 13.11% 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 Oelwein-Cresco 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. Oelwein-Cresco Credit Union has $1.12 million in assets with $253,000 in equity, resulting in a capitalization level of 22.51%, which is excellent.

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