United Community Credit Union

United Community Credit Union is headquartered in Quincy and is the 61^st largest credit union in the state of Illinois. It is also the 1,984^th largest credit union in the nation. It was established in 1941 and as of December of 2012, it had grown to 28 employees and 7,737 members. United Community Credit Union has a 3-star health rating.

United Community Credit Union Routing Number: 281277364

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Data for Q4 2012

Institution Statistics UNITED COMMUNITY NCUA # 60095 BankRate Report View Year Chartered 1941 Employees 28 Primary Regulator Assets and Liabilities Assets $63.09 million Loans $44.99 million Deposits $58.61 million Equity Capital $4.13 million Loan Loss Allowance $304,000 Unbacked Noncurrent Loans $603,000 Real Estate Owned $157,000 Historic Data - December 2011 Assets $51.35 million Equity Capital $3.13 million Loan Loss Allowance $411,000 Unbacked Noncurrent Loans $515,000 Real Estate Owned $183,000 Profit Margin - Quarterly Net Interest Margin 5.21% Return on Assets 0.51% Return on Equity 7.8% Interest Income $2.79 million Non-Interest Income $490,000

Institution Health Overall Score: 3 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, 2012 United Community Credit Union had $760,000 in non-current loans and owned real-estate with $4.43 million in equity and loan loss allowances on hand to cover it. This gives United Community Credit Union a Texas Ratio of 17.15% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for United Community Credit Union held steady from 19.71% as of December 31, 2011 to 17.15% as of December 31, 2012, resulting in a positive change of 12.98%.This indicates that the balance sheet and financial strength for United Community Credit Union has held steady in recent periods. Deposit Growth In the past year, United Community Credit Union has increased its total deposits by $10.45 million, resulting in 21.71% 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 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 Community Credit Union has $63.09 million in assets with $4.43 million in equity, resulting in a capitalization level of 7.02%, which is below average.

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