Union-Wallowa-Baker Credit Union

Union-Wallowa-Baker Credit Union is headquartered in La Grande and is the 56^th largest credit union in the state of Oregon. It is also the 3,298^th largest credit union in the nation. It was established in 1946 and as of December of 2011, it had grown to 7 employees and 2,830 members. Union-Wallowa-Baker Credit Union's savings rates are 63% higher than the national average, and it boasts a 5-star health rating.

Union-Wallowa-Baker Credit Union Savings Account Rates

Union-Wallowa-Baker Credit Union CD Rates

Data for Q4 2011

Institution Statistics UNION-WALLOWA-BAKER NCUA # 5285 BankRate Report View Year Chartered 1946 Employees 7 Primary Regulator Assets and Liabilities Assets $23.52 million Loans $7.66 million Deposits $21.53 million Equity Capital $1.93 million Loan Loss Allowance $23,000 Unbacked Noncurrent Loans $45,000 Real Estate Owned $49,000 Historic Data - December 2010 Assets $20.02 million Equity Capital $1.89 million Loan Loss Allowance $25,000 Unbacked Noncurrent Loans $55,000 Profit Margin - Quarterly Net Interest Margin 5.95% Return on Assets 0.17% Return on Equity 2.02% Interest Income $698,000 Non-Interest Income $119,000

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 Union-Wallowa-Baker Credit Union had $94,000 in non-current loans and owned real-estate with $1.95 million in equity and loan loss allowances on hand to cover it. This gives Union-Wallowa-Baker Credit Union a Texas Ratio of 4.81% 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 Union-Wallowa-Baker Credit Union held steady from 2.87% as of December 31, 2010 to 4.81% as of December 31, 2011, resulting in a negative change of 67.67%. This indicates that the balance sheet and financial strength for Union-Wallowa-Baker Credit Union has held steady in recent periods. Deposit Growth In the past year, Union-Wallowa-Baker Credit Union has increased its total deposits by $3.48 million, resulting in 19.25% 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 Union-Wallowa-Baker 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. Union-Wallowa-Baker Credit Union has $23.52 million in assets with $1.95 million in equity, resulting in a capitalization level of 8.30%, which is average.

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