Woodlands Credit Union

Woodlands Credit Union is headquartered in Berlin and is the 10^st largest credit union in the state of New Hampshire. It is also the 1,368^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 43 employees and 16,343 members. Woodlands Credit Union has a 5-star health rating.

Woodlands Credit Union Checking Account Rates

Woodlands Credit Union Savings Account Rates

Woodlands Credit Union Money Market Rates

Woodlands Credit Union CD Rates

Woodlands Credit Union IRA Rates

Data for Q4 2011

Institution Statistics WOODLANDS NCUA # 60306 BankRate Report View Year Chartered 1956 Employees 43 Primary Regulator Assets and Liabilities Assets $106.80 million Loans $63.26 million Deposits $83.68 million Equity Capital $22.84 million Loan Loss Allowance $525,000 Unbacked Noncurrent Loans $442,000 Real Estate Owned $85,000 Historic Data - December 2010 Assets $88.21 million Equity Capital $22.16 million Loan Loss Allowance $665,000 Unbacked Noncurrent Loans $595,000 Real Estate Owned $65,000 Profit Margin - Quarterly Net Interest Margin 5.98% Return on Assets -0.37% Return on Equity -1.74% Interest Income $4.39 million Non-Interest Income $1.28 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 Woodlands Credit Union had $527,000 in non-current loans and owned real-estate with $23.36 million in equity and loan loss allowances on hand to cover it. This gives Woodlands Credit Union a Texas Ratio of 2.26% 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 Woodlands Credit Union decreased slightly from 2.89% as of December 31, 2010 to 2.26% as of December 31, 2011, resulting in a positive change of 21.99%.This indicates that the balance sheet and financial strength for Woodlands Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Woodlands Credit Union has increased its total deposits by $17.81 million, resulting in 27.04% 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 Woodlands 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. Woodlands Credit Union has $106.8 million in assets with $23.36 million in equity, resulting in a capitalization level of 21.88%, which is excellent.