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Overview / Commentary
2100 Las Positas Ct
Livermore, CA 94551

Uncle Credit Union is headquartered in LIVERMORE and is the 98th largest credit union in the state of California. It is also the 723rd largest credit union in the nation. It was established in 1957 and as of December of 2013, it had grown to 64 employees and 23,408 members. Uncle Credit Union has a A+ health rating.

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Health

Data for Q4 2013

Institution Health

A+

Texas Ratio

GRADE:
A+

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, 2013 Uncle Credit Union had $953,000 in non-current loans and owned real-estate with $30.78 million in equity and loan loss allowances on hand to cover it. This gives Uncle Credit Union a Texas Ratio of 3.10% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Uncle Credit Union experienced no significant changes from 2.35% as of December 31, 2012 to 3.10% as of December 31, 2013, resulting in a negative change of 31.48%. This indicates that the balance sheet and financial strength for Uncle Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Uncle Credit Union has increased its total deposits by $16.41 million, resulting in 7.16% 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 Uncle Credit Union has shown is excellent.

Capitalization

GRADE:
A

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. Uncle Credit Union has $277.35 million in assets with $30.78 million in equity, resulting in a capitalization level of 11.10%, which is excellent.

Institution Statistics

Overall
NCUA #64482
Year Chartered1957
Employees64
Primary Regulator
Assets and Liabilities
Assets$277.35 million
Loans$137.79 million
Deposits$245.64 million
Equity Capital$29.02 million
Loan Loss Allowance$1.76 million
Unbacked Noncurrent Loans$953,000
Real Estate Owned$0
Historic Data - December 2012
Assets$259.41 million
Equity Capital$28.60 million
Loan Loss Allowance$2.32 million
Unbacked Noncurrent Loans$953,000
Real Estate Owned$109,000
Profit Margin - Quarterly
Net Interest Margin4.31%
Return on Assets0.73%
Return on Equity6.96%
Interest Income$7.76 million
Rates

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Locations


Uncle Credit Union Locations
Branch Office1829 W 11th StTRACY, CA 95376
Branch Office2100 LAS POSITAS CTLIVERMORE, CA 94551-7301
Branch Office7000 East Ave Bldg 6425LIVERMORE, CA 94550-9698
Branch Office1989 SANTA RITA RDPLEASANTON, CA 94566-4752