Peoples Choice CU (WI)

Peoples Choice CU (WI) is headquartered in MEDFORD and is the 105^th largest credit union in the state of Wisconsin. It is also the 3,386^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 7 employees and 3,967 members. Peoples Choice CU (WI) has a 5-star health rating.

Data for Q4 2011

Institution Statistics PEOPLES CHOICE NCUA # 66786 BankRate Report View Year Chartered 1940 Employees 7 Primary Regulator Assets and Liabilities Assets $22.36 million Loans $9.88 million Deposits $19.81 million Equity Capital $2.53 million Loan Loss Allowance $85,000 Unbacked Noncurrent Loans $79,000 Historic Data - December 2010 Assets $22.18 million Equity Capital $2.48 million Loan Loss Allowance $87,000 Unbacked Noncurrent Loans $128,000 Profit Margin - Quarterly Net Interest Margin 5.45% Return on Assets 0% Return on Equity -0.04% Interest Income $913,000 Non-Interest Income $206,000

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 Peoples Choice CU (WI) had $79,000 in non-current loans and owned real-estate with $2.61 million in equity and loan loss allowances on hand to cover it. This gives Peoples Choice CU (WI) a Texas Ratio of 3.03% 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 Peoples Choice CU (WI) decreased slightly from 4.98% as of December 31, 2010 to 3.03% as of December 31, 2011, resulting in a positive change of 39.25%.This indicates that the balance sheet and financial strength for Peoples Choice CU (WI) has improved slightly in recent periods. Deposit Growth In the past year, Peoples Choice CU (WI) has increased its total deposits by $152,000, resulting in 0.77% 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 Peoples Choice CU (WI) has shown is average. 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. Peoples Choice CU (WI) has $22.36 million in assets with $2.61 million in equity, resulting in a capitalization level of 11.68%, which is above average.

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