Superior Choice Credit Union

Superior Choice Credit Union is headquartered in Superior and is the 22^nd largest credit union in the state of Wisconsin. It is also the 867^th largest credit union in the nation. It was established in 1932 and as of December of 2011, it had grown to 72 employees and 23,271 members. Superior Choice Credit Union has a 4-star health rating.

Superior Choice Credit Union Routing Number: 291880916

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Data for Q4 2011

Institution Statistics SUPERIOR CHOICE NCUA # 67173 BankRate Report View Year Chartered 1932 Employees 72 Primary Regulator Assets and Liabilities Assets $196.76 million Loans $168.90 million Deposits $175.31 million Equity Capital $18.20 million Loan Loss Allowance $1.87 million Unbacked Noncurrent Loans $2.22 million Real Estate Owned $520,000 Historic Data - December 2010 Assets $189.48 million Equity Capital $16.38 million Loan Loss Allowance $903,000 Unbacked Noncurrent Loans $1.07 million Real Estate Owned $221,000 Profit Margin - Quarterly Net Interest Margin 4.69% Return on Assets 1.26% Return on Equity 13.64% Interest Income $9.49 million Non-Interest Income $3.19 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 December 31, 2011 Superior Choice Credit Union had $2.74 million in non-current loans and owned real-estate with $20.07 million in equity and loan loss allowances on hand to cover it. This gives Superior Choice Credit Union a Texas Ratio of 13.65% 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 Superior Choice Credit Union increased slightly from 7.48% as of December 31, 2010 to 13.65% as of December 31, 2011, resulting in a negative change of 82.65%. This indicates that the balance sheet and financial strength for Superior Choice Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Superior Choice Credit Union has increased its total deposits by $5.66 million, resulting in 3.33% 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 Superior Choice Credit Union 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. Superior Choice Credit Union has $196.76 million in assets with $20.07 million in equity, resulting in a capitalization level of 10.20%, which is above average.

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