C&O United Credit Union

C&O United Credit Union is headquartered in EDGEWOOD and is the 44^th largest credit union in the state of Kentucky. It is also the 3,976^th largest credit union in the nation. It was established in 1928 and as of December of 2011, it had grown to 6 employees and 4,505 members. C&O United Credit Union has a 5-star health rating.

C&O United Credit Union CD Rates

Data for Q4 2011

Institution Statistics C&O UNITED NCUA # 62587 BankRate Report View Year Chartered 1928 Employees 6 Primary Regulator Assets and Liabilities Assets $15.08 million Loans $5.12 million Deposits $13.29 million Equity Capital $1.76 million Loan Loss Allowance $91,000 Unbacked Noncurrent Loans $80,000 Historic Data - December 2010 Assets $15.28 million Equity Capital $1.88 million Loan Loss Allowance $77,000 Unbacked Noncurrent Loans $160,000 Profit Margin - Quarterly Net Interest Margin 6.44% Return on Assets -0.8% Return on Equity -6.81% Interest Income $565,000 Non-Interest Income $174,000

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 C&O United Credit Union had $80,000 in non-current loans and owned real-estate with $1.85 million in equity and loan loss allowances on hand to cover it. This gives C&O United Credit Union a Texas Ratio of 4.32% 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 C&O United Credit Union decreased significantly from 8.17% as of December 31, 2010 to 4.32% as of December 31, 2011, resulting in a positive change of 47.11%.This indicates that the balance sheet and financial strength for C&O United Credit Union has improved significantly in recent periods. Deposit Growth In the past year, C&O United Credit Union has decreased its total deposits by $-76,000, resulting in -0.57% 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 C&O United Credit Union has shown is 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. C&O United Credit Union has $15.08 million in assets with $1.85 million in equity, resulting in a capitalization level of 12.28%, which is excellent.

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