Columbus United Credit Union

Columbus United Credit Union is headquartered in Columbus and is the 20^th largest credit union in the state of Nebraska. It is also the 2,365^th largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 17 employees and 7,117 members. Columbus United Credit Union's savings rates are 63% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics COLUMBUS UNITED NCUA # 24402 BankRate Report View Year Chartered 1949 Employees 17 Primary Regulator Assets and Liabilities Assets $45.34 million Loans $27.76 million Deposits $39.54 million Equity Capital $5.36 million Loan Loss Allowance $186,000 Unbacked Noncurrent Loans $965,000 Historic Data - December 2010 Assets $45.33 million Equity Capital $5.38 million Loan Loss Allowance $230,000 Unbacked Noncurrent Loans $1.29 million Profit Margin - Quarterly Net Interest Margin 6.33% Return on Assets -0.03% Return on Equity -0.26% Interest Income $2.14 million Non-Interest Income $577,000

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 Columbus United Credit Union had $965,000 in non-current loans and owned real-estate with $5.55 million in equity and loan loss allowances on hand to cover it. This gives Columbus United Credit Union a Texas Ratio of 17.40% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Columbus United Credit Union decreased slightly from 23.09% as of December 31, 2010 to 17.40% as of December 31, 2011, resulting in a positive change of 24.63%.This indicates that the balance sheet and financial strength for Columbus United Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Columbus United Credit Union has decreased its total deposits by $-263,000, resulting in -0.66% 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 Columbus 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. Columbus United Credit Union has $45.34 million in assets with $5.55 million in equity, resulting in a capitalization level of 12.23%, which is excellent.

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