Power Co-Op Employees Credit Union

Power Co-Op Employees Credit Union is headquartered in Humboldt and is the 44^th largest credit union in the state of Iowa. It is also the 3,188^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 3 employees and 1,688 members. Power Co-Op Employees Credit Union has a 5-star health rating.

Power Co-Op Employees Credit Union Routing Number: 273975069

Power Co-Op Employees Credit Union Checking Account Rates

Power Co-Op Employees Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics POWER CO-OP EMPLOYEES NCUA # 61920 BankRate Report View Year Chartered 1956 Employees 3 Primary Regulator Assets and Liabilities Assets $25.21 million Loans $11.05 million Deposits $22.01 million Equity Capital $3.14 million Loan Loss Allowance $161,000 Unbacked Noncurrent Loans $35,000 Real Estate Owned $352,000 Historic Data - December 2010 Assets $22.74 million Equity Capital $2.78 million Loan Loss Allowance $113,000 Unbacked Noncurrent Loans $123,000 Real Estate Owned $72,000 Profit Margin - Quarterly Net Interest Margin 5.6% Return on Assets 1.42% Return on Equity 11.38% Interest Income $922,000 Non-Interest Income $101,000

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 Power Co-Op Employees Credit Union had $387,000 in non-current loans and owned real-estate with $3.3 million in equity and loan loss allowances on hand to cover it. This gives Power Co-Op Employees Credit Union a Texas Ratio of 11.73% 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 Power Co-Op Employees Credit Union held steady from 6.74% as of December 31, 2010 to 11.73% as of December 31, 2011, resulting in a negative change of 74.04%. This indicates that the balance sheet and financial strength for Power Co-Op Employees Credit Union has held steady in recent periods. Deposit Growth In the past year, Power Co-Op Employees Credit Union has increased its total deposits by $2.12 million, resulting in 10.65% 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 Power Co-Op Employees 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. Power Co-Op Employees Credit Union has $25.21 million in assets with $3.3 million in equity, resulting in a capitalization level of 13.09%, which is excellent.

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