U-1St Community Credit Union

U-1St Community Credit Union is headquartered in CARLSBAD and is the 38^th largest credit union in the state of New Mexico. It is also the 5,271^st largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 3 employees and 1,112 members. U-1St Community Credit Union has a 5-star health rating.

U-1St Community Credit Union Checking Account Rates

U-1St Community Credit Union Savings Account Rates

U-1St Community Credit Union Money Market Rates

U-1St Community Credit Union CD Rates

Data for Q4 2011

Institution Statistics U-1ST COMMUNITY NCUA # 10580 BankRate Report View Year Chartered 1955 Employees 3 Primary Regulator Assets and Liabilities Assets $6.23 million Loans $3.43 million Deposits $5.54 million Equity Capital $669,000 Loan Loss Allowance $56,000 Unbacked Noncurrent Loans $34,000 Historic Data - December 2010 Assets $5.36 million Equity Capital $602,000 Loan Loss Allowance $56,000 Unbacked Noncurrent Loans $52,000 Profit Margin - Quarterly Net Interest Margin 9.06% Return on Assets 1.06% Return on Equity 9.87% Interest Income $325,000 Non-Interest Income $112,000

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-1St Community Credit Union had $34,000 in non-current loans and owned real-estate with $725,000 in equity and loan loss allowances on hand to cover it. This gives U-1St Community Credit Union a Texas Ratio of 4.69% 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-1St Community Credit Union decreased significantly from 7.90% as of December 31, 2010 to 4.69% as of December 31, 2011, resulting in a positive change of 40.66%.This indicates that the balance sheet and financial strength for U-1St Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, U-1St Community Credit Union has increased its total deposits by $839,000, resulting in 17.84% 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-1St Community 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-1St Community Credit Union has $6.23 million in assets with $725,000 in equity, resulting in a capitalization level of 11.64%, which is above average.

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