United Catholic CU (MO)

United Catholic CU (MO) is headquartered in RAYTOWN and is the 104^th largest credit union in the state of Missouri. It is also the 5,467^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 2 employees and 2,108 members. United Catholic CU (MO) has a 2-star health rating.

Data for Q4 2011

Institution Statistics UNITED CATHOLIC NCUA # 64147 BankRate Report View Year Chartered 1953 Employees 2 Primary Regulator Assets and Liabilities Assets $5.22 million Loans $2.82 million Deposits $5.11 million Equity Capital $99,000 Loan Loss Allowance $100,000 Unbacked Noncurrent Loans $76,000 Historic Data - December 2010 Assets $5.22 million Equity Capital $208,000 Loan Loss Allowance $113,000 Unbacked Noncurrent Loans $140,000 Profit Margin - Quarterly Net Interest Margin 7.22% Return on Assets -2.09% Return on Equity -110.1% Interest Income $223,000 Non-Interest Income $31,000

Institution Health Overall Score: 2 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 Catholic CU (MO) had $76,000 in non-current loans and owned real-estate with $199,000 in equity and loan loss allowances on hand to cover it. This gives United Catholic CU (MO) a Texas Ratio of 38.19% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for United Catholic CU (MO) held steady from 43.61% as of December 31, 2010 to 38.19% as of December 31, 2011, resulting in a positive change of 12.43%.This indicates that the balance sheet and financial strength for United Catholic CU (MO) has held steady in recent periods. Deposit Growth In the past year, United Catholic CU (MO) has increased its total deposits by $123,000, resulting in 2.47% 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 Catholic CU (MO) has shown is above average. 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 Catholic CU (MO) has $5.22 million in assets with $199,000 in equity, resulting in a capitalization level of 3.81%, which is poor.

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