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Overview / Commentary
800-881-7950
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 1,585th largest credit union in the nation. It was established in 1934 and as of December of 2013, it had grown to 21 employees and 10,328 members. Parker Community Credit Union has a C+ 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.



Health

Data for Q4 2013

Institution Health

C+
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

GRADE:
B+

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 Parker Community Credit Union had $840,000 in non-current loans and owned real-estate with $7.26 million in equity and loan loss allowances on hand to cover it. This gives Parker Community Credit Union a Texas Ratio of 11.57% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Parker Community Credit Union decreased dramatically from 27.56% as of December 31, 2012 to 11.57% as of December 31, 2013, resulting in a positive change of 58.04%.This indicates that the balance sheet and financial strength for Parker Community Credit Union has improved dramatically in recent periods.

Deposit Growth

GRADE:
D

In the past year, Parker Community Credit Union has decreased its total deposits by -$5.66 million, resulting in -6.26% 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.

Capitalization

GRADE:
C-

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 $90.78 million in assets with $7.26 million in equity, resulting in a capitalization level of 8.00%, which is below average.

Institution Statistics

Overall
NCUA #66992
Year Chartered1934
Employees21
Primary Regulator
Assets and Liabilities
Assets$90.78 million
Loans$56.03 million
Deposits$84.69 million
Equity Capital$5.74 million
Loan Loss Allowance$1.52 million
Unbacked Noncurrent Loans$629,000
Real Estate Owned$211,000
Historic Data - December 2012
Assets$97.07 million
Equity Capital$6.02 million
Loan Loss Allowance$2.11 million
Unbacked Noncurrent Loans$629,000
Real Estate Owned$569,000
Profit Margin - Quarterly
Net Interest Margin4.7%
Return on Assets0.18%
Return on Equity2.84%
Interest Income$3.13 million
Rates
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Parker Community Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
0.15%--Advantage Checking

Parker Community Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.31%$25k-60 Month CD
1.05%$25k-48 Month CD
0.85%$25k-36 Month CD
0.60%$25k-24 Month CD
0.30%$25k-12 Month CD
0.20%$25k-6 Month CD

Parker Community Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.31%$25k-60 Month IRA
1.05%$25k-48 Month IRA
0.85%$25k-36 Month IRA
0.60%$25k-24 Month IRA
0.30%$25k-12 Month IRA
0.20%$25k-6 Month IRA
Locations


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