Tri-County CU (WI)

Tri-County CU (WI) is headquartered in MARINETTE and is the 96^th largest credit union in the state of Wisconsin. It is also the 3,205^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 8 employees and 2,903 members. Tri-County CU (WI) has a 5-star health rating.

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Tri-County CU (WI) IRA Rates

Data for Q4 2011

Institution Statistics TRI-COUNTY NCUA # 66640 BankRate Report View Year Chartered 1936 Employees 8 Primary Regulator Assets and Liabilities Assets $25.04 million Loans $14.46 million Deposits $20.86 million Equity Capital $4.03 million Loan Loss Allowance $106,000 Unbacked Noncurrent Loans $51,000 Real Estate Owned $42,000 Historic Data - December 2010 Assets $24.69 million Equity Capital $3.98 million Loan Loss Allowance $141,000 Unbacked Noncurrent Loans $112,000 Real Estate Owned $55,000 Profit Margin - Quarterly Net Interest Margin 4.84% Return on Assets 0.2% Return on Equity 1.27% Interest Income $895,000 Non-Interest Income $155,000

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 Tri-County CU (WI) had $93,000 in non-current loans and owned real-estate with $4.14 million in equity and loan loss allowances on hand to cover it. This gives Tri-County CU (WI) a Texas Ratio of 2.25% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Tri-County CU (WI) decreased significantly from 4.05% as of December 31, 2010 to 2.25% as of December 31, 2011, resulting in a positive change of 44.53%.This indicates that the balance sheet and financial strength for Tri-County CU (WI) has improved significantly in recent periods. Deposit Growth In the past year, Tri-County CU (WI) has increased its total deposits by $218,000, resulting in 1.06% 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 Tri-County 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. Tri-County CU (WI) has $25.04 million in assets with $4.14 million in equity, resulting in a capitalization level of 16.52%, which is excellent.

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