U S P L K Employees Credit Union

U S P L K Employees Credit Union is headquartered in Leavenworth and is the 27^th largest credit union in the state of Kansas. It is also the 2,715^st largest credit union in the nation. It was established in 1941 and as of December of 2011, it had grown to 5 employees and 2,306 members. U S P L K Employees Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

U S P L K Employees Credit Union Checking Account Rates

U S P L K Employees Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics U S P L K EMPLOYEES NCUA # 4427 BankRate Report View Year Chartered 1941 Employees 5 Primary Regulator Assets and Liabilities Assets $35.16 million Loans $12.28 million Deposits $31.38 million Equity Capital $3.50 million Loan Loss Allowance $80,000 Unbacked Noncurrent Loans $36,000 Historic Data - December 2010 Assets $32.16 million Equity Capital $3.43 million Loan Loss Allowance $114,000 Unbacked Noncurrent Loans $91,000 Profit Margin - Quarterly Net Interest Margin 3.58% Return on Assets 0.2% Return on Equity 2.06% Interest Income $1.14 million Non-Interest Income $19,000

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 U S P L K Employees Credit Union had $36,000 in non-current loans and owned real-estate with $3.58 million in equity and loan loss allowances on hand to cover it. This gives U S P L K Employees Credit Union a Texas Ratio of 1.00% 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 U S P L K Employees Credit Union decreased significantly from 2.57% as of December 31, 2010 to 1.00% as of December 31, 2011, resulting in a positive change of 60.86%.This indicates that the balance sheet and financial strength for U S P L K Employees Credit Union has improved significantly in recent periods. Deposit Growth In the past year, U S P L K Employees Credit Union has increased its total deposits by $2.92 million, resulting in 10.28% 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 S P L K 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 S P L K Employees Credit Union has $35.16 million in assets with $3.58 million in equity, resulting in a capitalization level of 10.19%, which is above average.

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