United Consumers Credit Union

United Consumers Credit Union is headquartered in Independence and is the 21^st largest credit union in the state of Missouri. It is also the 1,333^rd largest credit union in the nation. It was established in 1941 and as of December of 2012, it had grown to 57 employees and 15,267 members. United Consumers Credit Union has a 5-star health rating.

United Consumers Credit Union Routing Number: 301081414

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Data for Q4 2012

Institution Statistics UNITED CONSUMERS NCUA # 68410 BankRate Report View Year Chartered 1941 Employees 57 Primary Regulator Assets and Liabilities Assets $115.95 million Loans $64.93 million Deposits $101.80 million Equity Capital $13.10 million Loan Loss Allowance $884,000 Unbacked Noncurrent Loans $682,000 Real Estate Owned $713,000 Historic Data - December 2011 Assets $110.46 million Equity Capital $12.41 million Loan Loss Allowance $1.44 million Unbacked Noncurrent Loans $1.37 million Real Estate Owned $556,000 Profit Margin - Quarterly Net Interest Margin 5.71% Return on Assets 0.44% Return on Equity 3.89% Interest Income $4.70 million Non-Interest Income $2.81 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, 2012 United Consumers Credit Union had $1.4 million in non-current loans and owned real-estate with $13.98 million in equity and loan loss allowances on hand to cover it. This gives United Consumers Credit Union a Texas Ratio of 9.98% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for United Consumers Credit Union decreased slightly from 13.89% as of December 31, 2011 to 9.98% as of December 31, 2012, resulting in a positive change of 28.20%.This indicates that the balance sheet and financial strength for United Consumers Credit Union has improved slightly in recent periods. Deposit Growth In the past year, United Consumers Credit Union has increased its total deposits by $4.68 million, resulting in 4.81% 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 Consumers Credit Union 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 Consumers Credit Union has $115.95 million in assets with $13.98 million in equity, resulting in a capitalization level of 12.06%, which is excellent.

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