Pioneer Credit Union

Pioneer Credit Union is headquartered in GREEN BAY and is the 11^st largest credit union in the state of Wisconsin. It is also the 398^th largest credit union in the nation. It was established in 1927 and as of September of 2011, it had grown to 161 employees and 53,863 members. Pioneer Credit Union's money market rates are 36% higher than the national average, and it has a 4-star health rating.

Pioneer Credit Union Routing Number: 275977777

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Data for Q3 2011

Institution Statistics PIONEER NCUA # 66674 BankRate Report View Year Established 1927 Employees 161 Primary Regulator Assets and Liabilities Assets $486.03 million Loans $417.34 million Deposits $417.61 million Equity Capital $42.85 million Loan Loss Allowance $4.02 million Unbacked Noncurrent Loans $4.20 million Real Estate Owned $5.29 million Historic Data - September 2010 Assets $450.36 million Equity Capital $40.39 million Loan Loss Allowance $3.15 million Unbacked Noncurrent Loans $9.91 million Real Estate Owned $3.52 million Profit Margin - Quarterly Net Interest Margin 2.93% Return on Assets 0.28% Return on Equity 3.17% Interest Income $16.44 million Non-Interest Income $5.51 million

Institution Health Overall Score: 4 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 September 30, 2011 Pioneer Credit Union had $9.5 million in non-current loans and owned real-estate with $46.87 million in equity and loan loss allowances on hand to cover it. This gives Pioneer Credit Union a Texas Ratio of 20.26% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pioneer Credit Union decreased slightly from 30.86% as of September 30, 2010 to 20.26% as of September 30, 2011, resulting in a positive change of 34.34%.This indicates that the balance sheet and financial strength for Pioneer Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Pioneer Credit Union has increased its total deposits by $35.2 million, resulting in 9.21% 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 Pioneer 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. Pioneer Credit Union has $486.03 million in assets with $46.87 million in equity, resulting in a capitalization level of 9.64%, which is average.

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