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Overview / Commentary
2652 N Lexington Dr
Janesville, WI 53545

Parker Community Credit Union is headquartered in Janesville and is the 47th largest credit union in the state of Wisconsin. It is also the 1,593rd largest credit union in the nation. It was established in 1934 and as of March of 2014, it had grown to 21 employees and 10,142 members. Parker Community Credit Union has a B health rating.

Field of Membership Restrictions

Must live or work in Rock County. - See Details

Reviews (1)

Mortgages, Not Presently Being Given.

PCCU is not able to give mortgages ! Something to do with the felony embezzlement by their chief loan officer last year! Taking my money elsewhere. Makes no sense to stay where I can't have my mortgage serviced.


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Parker Community Credit Union has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Parker Community Credit Union had $735,000 in non-current loans and owned real-estate with $7.5 million in equity and loan loss allowances on hand to cover it. This gives Parker Community Credit Union a Texas Ratio of 9.80% 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 Parker Community Credit Union decreased dramatically from 19.20% as of March 31, 2013 to 9.80% as of March 31, 2014, resulting in a positive change of 48.95%.This indicates that the balance sheet and financial strength for Parker Community Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Parker Community Credit Union has decreased its total deposits by -$3.62 million, resulting in -4.04% 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 Parker Community Credit Union has shown is below 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. Parker Community Credit Union has $93.08 million in assets with $7.5 million in equity, resulting in a capitalization level of 8.06%, which is average.

Institution Statistics

NCUA #66992
Year Chartered1934
Primary Regulator
Assets and Liabilities
Assets$93.08 million
Loans$56.60 million
Deposits$86.08 million
Equity Capital$5.91 million
Loan Loss Allowance$1.59 million
Unbacked Noncurrent Loans$710,000
Real Estate Owned$25,000
Historic Data - March 2013
Assets$96.44 million
Equity Capital$6.04 million
Loan Loss Allowance$1.86 million
Unbacked Noncurrent Loans$710,000
Real Estate Owned$366,000
Profit Margin - Quarterly
Return on Assets0.03%
Return on Equity0.47%
Interest Income$750,000
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Parker Community Credit Union Savings Account Rates

0.10%--IRA Passbook Account
0.05%--Regular Share Savings
0.05%--Regular Children's Share Savings
0.05%--Willy Wabbit Children's Savings
0.05%--Club Accounts

Parker Community Credit Union Checking Account Rates

0.15%--Advantage Checking

Parker Community Credit Union CD Rates

1.60%$25k-60 Month CD
1.40%$25k-48 Month CD
1.00%$25k-36 Month CD
0.65%$25k-24 Month CD
0.50%$25k-12 Month CD
0.30%$25k-6 Month CD

Parker Community Credit Union IRA Rates

1.60%$25k-60 Month IRA
1.40%$25k-48 Month IRA
1.00%$25k-36 Month IRA
0.65%$25k-24 Month IRA
0.50%$25k-12 Month IRA
0.30%$25k-6 Month IRA

Parker Community Credit Union Locations
Branch Office2652 N Lexington DrJanesville, WI 53545