United 1St Credit Union

United 1St Credit Union is headquartered in KINGSLAND and is the 22^nd largest credit union in the state of Georgia. It is also the 1,381^st largest credit union in the nation. It was established in 1943 and as of December of 2011, it had grown to 62 employees and 17,735 members. United 1St Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics UNITED 1ST NCUA # 4999 BankRate Report View Year Chartered 1943 Employees 62 Primary Regulator Assets and Liabilities Assets $105.56 million Loans $55.97 million Deposits $90.41 million Equity Capital $12.20 million Loan Loss Allowance $851,000 Unbacked Noncurrent Loans $821,000 Historic Data - December 2010 Assets $96.21 million Equity Capital $11.60 million Loan Loss Allowance $854,000 Unbacked Noncurrent Loans $561,000 Profit Margin - Quarterly Net Interest Margin 5.65% Return on Assets 0.56% Return on Equity 4.89% Interest Income $4.12 million Non-Interest Income $4.25 million

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 United 1St Credit Union had $821,000 in non-current loans and owned real-estate with $13.05 million in equity and loan loss allowances on hand to cover it. This gives United 1St Credit Union a Texas Ratio of 6.29% 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 United 1St Credit Union held steady from 4.50% as of December 31, 2010 to 6.29% as of December 31, 2011, resulting in a negative change of 39.69%. This indicates that the balance sheet and financial strength for United 1St Credit Union has held steady in recent periods. Deposit Growth In the past year, United 1St Credit Union has increased its total deposits by $7.37 million, resulting in 8.88% 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 United 1St 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. United 1St Credit Union has $105.56 million in assets with $13.05 million in equity, resulting in a capitalization level of 12.36%, which is excellent.

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