Westby Co-op Credit Union

Westby Co-op Credit Union is headquartered in WESTBY and is the 17^st largest credit union in the state of Wisconsin. It is also the 632^nd largest credit union in the nation. It was established in 1939 and as of September of 2011, it had grown to 86 employees and 21,562 members. Westby Co-op Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Westby Co-op Credit Union Routing Number: 275982539

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Data for Q3 2011

Institution Statistics WESTBY CO-OP NCUA # 67208 BankRate Report View Year Established 1939 Employees 86 Primary Regulator Assets and Liabilities Assets $298.40 million Loans $219.16 million Deposits $250.62 million Equity Capital $41.10 million Loan Loss Allowance $5.69 million Unbacked Noncurrent Loans $6.01 million Real Estate Owned $876,000 Historic Data - September 2010 Assets $270.05 million Equity Capital $37.65 million Loan Loss Allowance $4.89 million Unbacked Noncurrent Loans $8.52 million Real Estate Owned $180,000 Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 1.18% Return on Equity 8.55% Interest Income $11.47 million Non-Interest Income $1.75 million

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 September 30, 2011 Westby Co-op Credit Union had $6.89 million in non-current loans and owned real-estate with $46.78 million in equity and loan loss allowances on hand to cover it. This gives Westby Co-op Credit Union a Texas Ratio of 14.73% 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 Westby Co-op Credit Union decreased slightly from 20.44% as of September 30, 2010 to 14.73% as of September 30, 2011, resulting in a positive change of 27.94%.This indicates that the balance sheet and financial strength for Westby Co-op Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Westby Co-op Credit Union has increased its total deposits by $27.81 million, resulting in 12.48% 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 Westby Co-op 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. Westby Co-op Credit Union has $298.4 million in assets with $46.78 million in equity, resulting in a capitalization level of 15.68%, which is excellent.

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