Shoreline Credit Union

Shoreline Credit Union is headquartered in Two Rivers and is the 38^th largest credit union in the state of Wisconsin. It is also the 1,278^th largest credit union in the nation. It was established in 1941 and as of September of 2011, it had grown to 35 employees and 11,620 members. Shoreline Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

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Data for Q3 2011

Institution Statistics SHORELINE NCUA # 66447 BankRate Report View Year Established 1941 Employees 35 Primary Regulator Assets and Liabilities Assets $116.72 million Loans $93.72 million Deposits $98.23 million Equity Capital $10.94 million Loan Loss Allowance $981,000 Unbacked Noncurrent Loans $1.55 million Real Estate Owned $797,000 Historic Data - September 2010 Assets $109.41 million Equity Capital $9.89 million Loan Loss Allowance $811,000 Unbacked Noncurrent Loans $1.27 million Real Estate Owned $240,000 Profit Margin - Quarterly Net Interest Margin 3.63% Return on Assets 0.57% Return on Equity 6.12% Interest Income $4.17 million Non-Interest Income $1.86 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 Shoreline Credit Union had $2.35 million in non-current loans and owned real-estate with $11.92 million in equity and loan loss allowances on hand to cover it. This gives Shoreline Credit Union a Texas Ratio of 19.72% 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 Shoreline Credit Union increased slightly from 14.14% as of September 30, 2010 to 19.72% as of September 30, 2011, resulting in a negative change of 39.42%. This indicates that the balance sheet and financial strength for Shoreline Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Shoreline Credit Union has increased its total deposits by $9.45 million, resulting in 10.64% 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 Shoreline 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. Shoreline Credit Union has $116.72 million in assets with $11.92 million in equity, resulting in a capitalization level of 10.21%, which is above average.

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