University Of Wisconsin-Oshkosh Credit Union

University Of Wisconsin-Oshkosh Credit Union is headquartered in oshkosh and is the 100^th largest credit union in the state of Wisconsin. It is also the 3,325^th largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 6 employees and 3,001 members. University Of Wisconsin-Oshkosh Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics UNIVERSITY OF WISCONSIN-OSHKOSH NCUA # 66805 BankRate Report View Year Chartered 1966 Employees 6 Primary Regulator Assets and Liabilities Assets $23.19 million Loans $20.63 million Deposits $21.08 million Equity Capital $1.88 million Loan Loss Allowance $71,000 Unbacked Noncurrent Loans $483,000 Real Estate Owned $149,000 Historic Data - December 2010 Assets $22.62 million Equity Capital $1.88 million Loan Loss Allowance $67,000 Unbacked Noncurrent Loans $558,000 Real Estate Owned $149,000 Profit Margin - Quarterly Net Interest Margin 3.23% Return on Assets 0.02% Return on Equity 0.21% Interest Income $782,000 Non-Interest Income $87,000

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 University Of Wisconsin-Oshkosh Credit Union had $632,000 in non-current loans and owned real-estate with $1.95 million in equity and loan loss allowances on hand to cover it. This gives University Of Wisconsin-Oshkosh Credit Union a Texas Ratio of 32.38% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for University Of Wisconsin-Oshkosh Credit Union held steady from 36.37% as of December 31, 2010 to 32.38% as of December 31, 2011, resulting in a positive change of 10.97%.This indicates that the balance sheet and financial strength for University Of Wisconsin-Oshkosh Credit Union has held steady in recent periods. Deposit Growth In the past year, University Of Wisconsin-Oshkosh Credit Union has increased its total deposits by $703,000, resulting in 3.45% 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 University Of Wisconsin-Oshkosh 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. University Of Wisconsin-Oshkosh Credit Union has $23.19 million in assets with $1.95 million in equity, resulting in a capitalization level of 8.42%, which is average.

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