Institution Statistics
| UNITED HEALTH | | NCUA # | 65323 | | BankRate Report | View | | Year Chartered | 1956 | | Employees | 10 | | Primary Regulator | |
Assets and Liabilities | | Assets | $48.39 million | | Loans | $27.20 million | | Deposits | $43.74 million | | Equity Capital | $3.49 million | | Loan Loss Allowance | $523,000 | | Unbacked Noncurrent Loans | $1.81 million |
Historic Data - December 2010 | | Assets | $42.77 million | | Equity Capital | $3.06 million | | Loan Loss Allowance | $704,000 | | Unbacked Noncurrent Loans | $1.41 million |
Profit Margin - Quarterly | | Net Interest Margin | 5.39% | | Return on Assets | 0.88% | | Return on Equity | 12.25% | | Interest Income | $1.86 million | | Non-Interest Income | $602,000 |
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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, 2011 United Health Credit Union had $1.81 million in non-current loans and owned real-estate with $4.01 million in equity and loan loss allowances on hand to cover it. This gives United Health Credit Union a Texas Ratio of 45.12% 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 Health Credit Union increased slightly from 37.46% as of December 31, 2010 to 45.12% as of December 31, 2011, resulting in a negative change of 20.46%. This indicates that the balance sheet and financial strength for United Health Credit Union has declined slightly in recent periods. | | Deposit Growth |  | | In the past year, United Health Credit Union has increased its total deposits by $4.6 million, resulting in 11.74% 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 Health 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 Health Credit Union has $48.39 million in assets with $4.01 million in equity, resulting in a capitalization level of 8.29%, which is average. |
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