United Community CU (TX)

United Community CU (TX) is headquartered in Galena Park and is the 124^th largest credit union in the state of Texas. It is also the 1,657^th largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 37 employees and 9,110 members. United Community CU (TX) has a 4-star health rating.

United Community CU (TX) Savings Account Rates

United Community CU (TX) CD Rates

Data for Q4 2011

Institution Statistics UNITED COMMUNITY NCUA # 68369 BankRate Report View Year Chartered 1950 Employees 37 Primary Regulator Assets and Liabilities Assets $79.99 million Loans $60.38 million Deposits $72.39 million Equity Capital $6.64 million Loan Loss Allowance $161,000 Unbacked Noncurrent Loans $480,000 Historic Data - December 2010 Assets $78.83 million Equity Capital $6.31 million Loan Loss Allowance $202,000 Unbacked Noncurrent Loans $502,000 Profit Margin - Quarterly Net Interest Margin 4.75% Return on Assets 0.4% Return on Equity 4.81% Interest Income $3.42 million Non-Interest Income $1.99 million

Institution Health Overall Score: 4 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 Community CU (TX) had $480,000 in non-current loans and owned real-estate with $6.8 million in equity and loan loss allowances on hand to cover it. This gives United Community CU (TX) a Texas Ratio of 7.06% 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 Community CU (TX) held steady from 7.70% as of December 31, 2010 to 7.06% as of December 31, 2011, resulting in a positive change of 8.35%.This indicates that the balance sheet and financial strength for United Community CU (TX) has held steady in recent periods. Deposit Growth In the past year, United Community CU (TX) has increased its total deposits by $317,000, resulting in 0.44% 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 Community CU (TX) has shown is 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 Community CU (TX) has $79.99 million in assets with $6.8 million in equity, resulting in a capitalization level of 8.50%, which is average.

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