U A P Employees Credit Union

U A P Employees Credit Union is headquartered in Forest and is the 355^th largest credit union in the state of Ohio. It is also the 6,862^nd largest credit union in the nation. It was established in 1962 and as of December of 2011, it had grown to employees and 175 members. U A P Employees Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics U A P EMPLOYEES NCUA # 14967 BankRate Report View Year Chartered 1962 Employees 0 Primary Regulator Assets and Liabilities Assets $662,000 Loans $501,000 Deposits $550,000 Equity Capital $103,000 Loan Loss Allowance $2,000 Unbacked Noncurrent Loans $25,000 Historic Data - December 2010 Assets $603,000 Equity Capital $89,000 Loan Loss Allowance $2,000 Unbacked Noncurrent Loans $3,000 Profit Margin - Quarterly Net Interest Margin 2.75% Return on Assets 1.06% Return on Equity 6.8% Interest Income $21,000 Non-Interest Income $1,000

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 U A P Employees Credit Union had $25,000 in non-current loans and owned real-estate with $105,000 in equity and loan loss allowances on hand to cover it. This gives U A P Employees Credit Union a Texas Ratio of 23.81% 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 U A P Employees Credit Union increased slightly from 3.30% as of December 31, 2010 to 23.81% as of December 31, 2011, resulting in a negative change of 622.22%. This indicates that the balance sheet and financial strength for U A P Employees Credit Union has declined slightly in recent periods. Deposit Growth In the past year, U A P Employees Credit Union has increased its total deposits by $45,000, resulting in 8.91% 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 U A P Employees 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. U A P Employees Credit Union has $662,000 in assets with $105,000 in equity, resulting in a capitalization level of 15.86%, which is excellent.

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