United Credit Union

Green Blvd. at Breckenridge
Mexico, MO 65265
573-581-8651
www.unitedcu.org

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United Credit Union is headquartered in Mexico and is the 18^st largest credit union in the state of Missouri. It is also the 1,281^st largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 53 employees and 17,837 members. United Credit Union has a 5-star health rating.

United Credit Union Routing Number: 281581063

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See Rates for: Checking | Savings | Money Market | CD | IRA

United Credit Union Checking Account Rates

Apy	Min	Max	Product
1.25%	-	$25k	Reward Checking
0.05%	-	-	Checking Plus

United Credit Union Savings Account Rates

	Apy	Min	Max	Product
	0.25%	-	-	Share Savings

United Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$50k	-	Money Market Account

United Credit Union CD Rates

Apy	Min	Max	Product
1.75%	$500	-	60 Month CD
1.25%	$500	-	48 Month CD
1.00%	$500	-	36 Month CD
0.75%	$500	-	24 Month CD
0.50%	$500	-	18 Month CD
0.40%	$500	-	12 Month CD
0.35%	$500	-	6 Month CD
0.30%	$500	-	3 Month CD
0.25%	$50	-	12 Month Simple Saver CD

United Credit Union IRA Rates

Apy	Min	Max	Product
1.75%	$500	-	60 Month IRA
1.75%	$500	-	60 Month Roth IRA
1.75%	$500	-	60 Month CESA
1.25%	$500	-	48 Month IRA
1.25%	$500	-	48 Month Roth IRA
1.25%	$500	-	48 Month CESA
1.00%	$500	-	36 Month IRA
1.00%	$500	-	36 Month Roth IRA
1.00%	$500	-	36 Month CESA
0.75%	$500	-	24 Month IRA
0.75%	$500	-	24 Month Roth IRA
0.75%	$500	-	24 Month CESA
0.50%	$500	-	18 Month IRA
0.50%	$500	-	18 Month Roth IRA
0.50%	$500	-	18 Month CESA
0.40%	$500	-	12 Month IRA
0.40%	$500	-	12 Month Roth IRA
0.40%	$500	-	12 Month CESA
0.35%	$500	-	6 Month IRA
0.35%	$500	-	6 Month Roth IRA
0.35%	$500	-	6 Month CESA
0.30%	$500	-	3 Month IRA
0.30%	$500	-	3 Month Roth IRA
0.30%	$500	-	3 Month CESA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

UNITED
NCUA #	63597
BankRate Report	View
Year Chartered	1935
Employees	53
Primary Regulator
Assets and Liabilities
Assets	$116.74 million
Loans	$84.01 million
Deposits	$105.03 million
Equity Capital	$11.44 million
Loan Loss Allowance	$354,000
Unbacked Noncurrent Loans	$671,000
Real Estate Owned	$65,000
Historic Data - December 2010
Assets	$112.85 million
Equity Capital	$10.29 million
Loan Loss Allowance	$354,000
Unbacked Noncurrent Loans	$310,000
Real Estate Owned	$28,000
Profit Margin - Quarterly
Net Interest Margin	4.78%
Return on Assets	0.83%
Return on Equity	8.43%
Interest Income	$4.72 million
Non-Interest Income	$2.01 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 Credit Union had $736,000 in non-current loans and owned real-estate with $11.79 million in equity and loan loss allowances on hand to cover it. This gives United Credit Union a Texas Ratio of 6.24% 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 Credit Union held steady from 3.18% as of December 31, 2010 to 6.24% as of December 31, 2011, resulting in a negative change of 96.44%. This indicates that the balance sheet and financial strength for United Credit Union has held steady in recent periods.
Deposit Growth
In the past year, United Credit Union has increased its total deposits by $3.72 million, resulting in 3.67% 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 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 Credit Union has $116.74 million in assets with $11.79 million in equity, resulting in a capitalization level of 10.10%, which is above average.

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