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Overview / Commentary
300 East Second Street
Merrill, WI 54452

Park City Credit Union is headquartered in Merrill and is the 32nd largest credit union in the state of Wisconsin. It is also the 1,168th largest credit union in the nation. It was established in 1938 and as of December of 2013, it had grown to 61 employees and 20,391 members. Park City Credit Union has a B health rating.

Field of Membership Restrictions

Membership at Park City Credit Union is open to anyone who lives, works, or owns land in Lincoln, Marathon, Oneida, Iron, Price, Vilas, or Taylor counties, or within a 25-mile radius around the Merrill office. - See Details

Reviews (2)

Ex Customer

We banked with PCCU for over twenty years; savings, checking and loan services with no problem. Recently had major issues with a loan which they mishandled and then refused to adjust. They made it clear that our business was not valued so we are going to be banking elsewhere. Have heard similar stories from people in the community.

Not Impressed

Customer service is a low priority it seems


Data for Q4 2013

Institution Health


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, 2013 Park City Credit Union had $2.8 million in non-current loans and owned real-estate with $15.94 million in equity and loan loss allowances on hand to cover it. This gives Park City Credit Union a Texas Ratio of 17.56% 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 Park City Credit Union experienced no significant changes from 17.48% as of December 31, 2012 to 17.56% as of December 31, 2013, resulting in a negative change of 0.47%. This indicates that the balance sheet and financial strength for Park City Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Park City Credit Union has increased its total deposits by $348,000, resulting in 0.28% 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 Park City Credit Union has shown is above average.



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. Park City Credit Union has $142.41 million in assets with $15.94 million in equity, resulting in a capitalization level of 11.19%, which is excellent.

Institution Statistics

NCUA #67196
Year Chartered1938
Primary Regulator
Assets and Liabilities
Assets$142.41 million
Loans$96.80 million
Deposits$126.01 million
Equity Capital$14.81 million
Loan Loss Allowance$1.13 million
Unbacked Noncurrent Loans$2.26 million
Real Estate Owned$541,000
Historic Data - December 2012
Assets$142.20 million
Equity Capital$15.11 million
Loan Loss Allowance$1.25 million
Unbacked Noncurrent Loans$2.26 million
Real Estate Owned$797,000
Profit Margin - Quarterly
Net Interest Margin4.37%
Return on Assets0.15%
Return on Equity1.47%
Interest Income$4.80 million

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Park City Credit Union Locations
Branch Office1201 N Sales StMerrill, WI 54452
Branch Office9566 State Highway 70Minocqua, WI 54548
Branch Office151 S Courtney StRhinelander, WI 54501
Branch Office300 E 2nd StMerrill, WI 54452
Branch Office1213 N 4th StTomahawk, WI 54487