Premier Financial CU (WI)

Premier Financial CU (WI) is headquartered in New Holstein and is the 53^rd largest credit union in the state of Wisconsin. It is also the 1,808^th largest credit union in the nation. It was established in 1962 and as of December of 2011, it had grown to 27 employees and 8,714 members. Premier Financial CU (WI) has a 4-star health rating.

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Data for Q4 2011

Institution Statistics PREMIER FINANCIAL NCUA # 66760 BankRate Report View Year Chartered 1962 Employees 27 Primary Regulator Assets and Liabilities Assets $70.36 million Loans $52.82 million Deposits $62.45 million Equity Capital $7.10 million Loan Loss Allowance $313,000 Unbacked Noncurrent Loans $1.01 million Historic Data - December 2010 Assets $66.71 million Equity Capital $6.35 million Loan Loss Allowance $322,000 Unbacked Noncurrent Loans $1.02 million Profit Margin - Quarterly Net Interest Margin 4.97% Return on Assets 0.93% Return on Equity 9.24% Interest Income $3.24 million Non-Interest Income $582,000

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 December 31, 2011 Premier Financial CU (WI) had $1.01 million in non-current loans and owned real-estate with $7.42 million in equity and loan loss allowances on hand to cover it. This gives Premier Financial CU (WI) a Texas Ratio of 13.61% 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 Premier Financial CU (WI) held steady from 15.31% as of December 31, 2010 to 13.61% as of December 31, 2011, resulting in a positive change of 11.13%.This indicates that the balance sheet and financial strength for Premier Financial CU (WI) has held steady in recent periods. Deposit Growth In the past year, Premier Financial CU (WI) has increased its total deposits by $2.67 million, resulting in 4.47% 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 Premier Financial CU (WI) has shown is above 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. Premier Financial CU (WI) has $70.36 million in assets with $7.42 million in equity, resulting in a capitalization level of 10.54%, which is above average.

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