Sunflower U P Credit Union

Sunflower U P Credit Union is headquartered in Marysville and is the 70^th largest credit union in the state of Kansas. It is also the 5,639^th largest credit union in the nation. It was established in 1952 and as of December of 2011, it had grown to 4 employees and 1,989 members. Sunflower U P Credit Union has a 3-star health rating.

Sunflower U P Credit Union Checking Account Rates

Sunflower U P Credit Union Savings Account Rates

Sunflower U P Credit Union CD Rates

Data for Q4 2011

Institution Statistics SUNFLOWER U P NCUA # 7610 BankRate Report View Year Chartered 1952 Employees 4 Primary Regulator Assets and Liabilities Assets $4.48 million Loans $2.94 million Deposits $4.15 million Equity Capital $323,000 Loan Loss Allowance $19,000 Unbacked Noncurrent Loans $77,000 Real Estate Owned $14,000 Historic Data - December 2010 Assets $4.49 million Equity Capital $327,000 Loan Loss Allowance $14,000 Unbacked Noncurrent Loans $60,000 Profit Margin - Quarterly Net Interest Margin 6.58% Return on Assets -0.11% Return on Equity -1.55% Interest Income $219,000 Non-Interest Income $82,000

Institution Health Overall Score: 3 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 Sunflower U P Credit Union had $91,000 in non-current loans and owned real-estate with $342,000 in equity and loan loss allowances on hand to cover it. This gives Sunflower U P Credit Union a Texas Ratio of 26.61% 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 Sunflower U P Credit Union increased slightly from 17.60% as of December 31, 2010 to 26.61% as of December 31, 2011, resulting in a negative change of 51.22%. This indicates that the balance sheet and financial strength for Sunflower U P Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Sunflower U P Credit Union has decreased its total deposits by $-5,000, resulting in -0.12% 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 Sunflower U P 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. Sunflower U P Credit Union has $4.48 million in assets with $342,000 in equity, resulting in a capitalization level of 7.63%, which is below average.

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