American United Family Of Credit Unions

American United Family Of Credit Unions is headquartered in SALT LAKE CITY and is the 22^nd largest credit union in the state of Utah. It is also the 1,632^nd largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 20 employees and 9,021 members. American United Family Of Credit Unions has a 4-star health rating.

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Data for Q4 2011

Institution Statistics AMERICAN UNITED FAMILY OF CREDIT UN NCUA # 8187 BankRate Report View Year Chartered 1952 Employees 20 Primary Regulator Assets and Liabilities Assets $81.29 million Loans $64.11 million Deposits $70.53 million Equity Capital $8.41 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $679,000 Real Estate Owned $466,000 Historic Data - December 2010 Assets $74.43 million Equity Capital $7.86 million Loan Loss Allowance $1.07 million Unbacked Noncurrent Loans $590,000 Real Estate Owned $464,000 Profit Margin - Quarterly Net Interest Margin 5.38% Return on Assets 0.56% Return on Equity 5.38% Interest Income $4.45 million Non-Interest Income $1.10 million

Institution Health Overall Score: 4 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 American United Family Of Credit Unions had $1.14 million in non-current loans and owned real-estate with $9.63 million in equity and loan loss allowances on hand to cover it. This gives American United Family Of Credit Unions a Texas Ratio of 11.89% 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 American United Family Of Credit Unions held steady from 11.80% as of December 31, 2010 to 11.89% as of December 31, 2011, resulting in a negative change of 0.74%. This indicates that the balance sheet and financial strength for American United Family Of Credit Unions has held steady in recent periods. Deposit Growth In the past year, American United Family Of Credit Unions has increased its total deposits by $4.19 million, resulting in 6.32% 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 American United Family Of Credit Unions 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. American United Family Of Credit Unions has $81.29 million in assets with $9.63 million in equity, resulting in a capitalization level of 11.85%, which is above average.

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