Western Cooperative Credit Union

Western Cooperative Credit Union is headquartered in WILLISTON and is the 4^th largest credit union in the state of North Dakota. It is also the 661^st largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 77 employees and 20,504 members. Western Cooperative Credit Union has a 5-star health rating.

Western Cooperative Credit Union Checking Account Rates

Western Cooperative Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics WESTERN COOPERATIVE NCUA # 61758 BankRate Report View Year Chartered 1938 Employees 77 Primary Regulator Assets and Liabilities Assets $284.56 million Loans $150.28 million Deposits $258.75 million Equity Capital $22.84 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $438,000 Historic Data - December 2010 Assets $227.67 million Equity Capital $19.04 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $526,000 Profit Margin - Quarterly Net Interest Margin 5.5% Return on Assets 0.96% Return on Equity 11.91% Interest Income $9.18 million Non-Interest Income $3.00 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 December 31, 2011 Western Cooperative Credit Union had $438,000 in non-current loans and owned real-estate with $24.07 million in equity and loan loss allowances on hand to cover it. This gives Western Cooperative Credit Union a Texas Ratio of 1.82% 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 Western Cooperative Credit Union decreased slightly from 2.60% as of December 31, 2010 to 1.82% as of December 31, 2011, resulting in a positive change of 29.95%.This indicates that the balance sheet and financial strength for Western Cooperative Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Western Cooperative Credit Union has increased its total deposits by $52.11 million, resulting in 25.22% 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 Western Cooperative 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. Western Cooperative Credit Union has $284.56 million in assets with $24.07 million in equity, resulting in a capitalization level of 8.46%, which is average.

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