Prospera Credit Union

Prospera Credit Union is headquartered in APPLETON and is the 30^th largest credit union in the state of Wisconsin. It is also the 1,087^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 43 employees and 15,690 members. Prospera Credit Union's savings rates are 92% higher than the national average, and it has a 3-star health rating.

Prospera Credit Union Routing Number: 275979429

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Data for Q4 2011

Institution Statistics PROSPERA NCUA # 66652 BankRate Report View Year Chartered 1934 Employees 43 Primary Regulator Assets and Liabilities Assets $145.86 million Loans $116.53 million Deposits $133.92 million Equity Capital $10.98 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $985,000 Real Estate Owned $708,000 Historic Data - December 2010 Assets $152.73 million Equity Capital $10.47 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $1.26 million Real Estate Owned $1.61 million Profit Margin - Quarterly Net Interest Margin 4.4% Return on Assets 0.48% Return on Equity 6.42% Interest Income $6.25 million Non-Interest Income $1.81 million

Institution Health Overall Score: 3 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 Prospera Credit Union had $1.69 million in non-current loans and owned real-estate with $12.12 million in equity and loan loss allowances on hand to cover it. This gives Prospera Credit Union a Texas Ratio of 13.97% 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 Prospera Credit Union decreased significantly from 24.74% as of December 31, 2010 to 13.97% as of December 31, 2011, resulting in a positive change of 43.53%.This indicates that the balance sheet and financial strength for Prospera Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Prospera Credit Union has decreased its total deposits by -$7.43 million, resulting in -5.26% 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 Prospera Credit Union has shown is poor. 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. Prospera Credit Union has $145.86 million in assets with $12.12 million in equity, resulting in a capitalization level of 8.31%, which is average.