Uncle Credit Union

Uncle Credit Union Locations
2100 Las Positas Court
Livermore, CA 94551
www.unclecu.org

Uncle Credit Union is headquartered in LIVERMORE and is the 101st largest credit union in the state of California. It is also the 760th largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 52 employees and 23,964 members. Uncle Credit Union has a 5-star health rating.

Uncle Credit Union Routing Number: 321173072

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4.78% 60-Month / 4.04% 18-Month CD at a California Credit Union Continues (UNCLE). - 5/7/2008

Update 5/31/08: The CD rates have fallen. Please refer to the credit union's website for the latest rates.UNCLE Credit Union continues to offer competitive certificate rates for terms from 6 months to 60 months. Some of the competitive CDs include a...

4.78% 60-Month / 4.04% 18-Month CD at a California CU (UNCLE) - 3/19/2008

UNCLE Credit Union is listing some competitive long-term certificate rates with yields that range from 4.04% APY for an 18-month term to 4.78% APY for a 60-month term. The minimum deposit is $5,000. The credit union calls these certificates Super Shares....


Data for Q4 2011


Institution Statistics


UNCLE
NCUA #64482
BankRate ReportView
Year Chartered1957
Employees52
Primary Regulator

Assets and Liabilities

Assets$239.70 million
Loans$103.95 million
Deposits$213.60 million
Equity Capital$25.19 million
Loan Loss Allowance$3.98 million
Unbacked Noncurrent Loans$1.51 million
Real Estate Owned$179,000

Historic Data - December 2010

Assets$227.35 million
Equity Capital$20.05 million
Loan Loss Allowance$6.03 million
Unbacked Noncurrent Loans$3.29 million
Real Estate Owned$613,000

Profit Margin - Quarterly

Net Interest Margin7.09%
Return on Assets1.71%
Return on Equity16.3%
Interest Income$9.67 million
Non-Interest Income$3.97 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 Uncle Credit Union had $1.68 million in non-current loans and owned real-estate with $29.16 million in equity and loan loss allowances on hand to cover it. This gives Uncle Credit Union a Texas Ratio of 5.78% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for Uncle Credit Union decreased significantly from 14.96% as of December 31, 2010 to 5.78% as of December 31, 2011, resulting in a positive change of 61.38%.This indicates that the balance sheet and financial strength for Uncle Credit Union has improved significantly in recent periods.
Deposit Growth4
In the past year, Uncle Credit Union has increased its total deposits by $7.45 million, resulting in 3.61% 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 above average.
Capitalization5
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 $239.7 million in assets with $29.16 million in equity, resulting in a capitalization level of 12.17%, which is excellent.
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