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Overview / Commentary
100 Hegenberger Road, Suite 110
Oakland, CA 94621

United Labor Bank, F.S.B. is headquartered in Oakland and is the 115st largest bank in the state of California. It is also the 1,942nd largest bank in the nation. It was established in 1990 and as of March of 2014, it had grown to 62 employees at 9 locations. United Labor Bank, F.S.B. has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 United Labor Bank, F.S.B. had $5.04 million in non-current loans and owned real-estate with $37.14 million in equity and loan loss allowances on hand to cover it. This gives United Labor Bank, F.S.B. a Texas Ratio of 13.56% 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 Labor Bank, F.S.B. experienced no significant changes from 9.94% as of March 31, 2013 to 13.56% as of March 31, 2014, resulting in a negative change of 36.50%. This indicates that the balance sheet and financial strength for United Labor Bank, F.S.B. has had no significant changes in recent periods.

Deposit Growth


In the past year, United Labor Bank, F.S.B. has increased its total deposits by $60.36 million, resulting in 25.35% 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 Labor Bank, F.S.B. has shown is excellent.



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 Labor Bank, F.S.B. has $338.9 million in assets with $37.14 million in equity, resulting in a capitalization level of 10.96%, which is above average.

Institution Statistics

FDIC Certificate #33114
Year Established1990
Primary RegulatorOCC
Assets and Liabilities
Assets$338.90 million
Loans$215.69 million
Deposits$298.46 million
Equity Capital$34.23 million
Loan Loss Allowance$2.92 million
Unbacked Noncurrent Loans$4.82 million
Real Estate Owned$217,000
Historic Data - March 2013
Assets$269.08 million
Equity Capital$26.19 million
Loan Loss Allowance$2.39 million
Unbacked Noncurrent Loans$4.82 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.57%
Return on Equity5.79%
Interest Income$3.40 million

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United Labor Bank, F.S.B. Locations
United Labor Bank, F.S.B.100 Hegenberger Road, Suite 110Oakland, CA 94621
Sacramento Branch1164 West National Drive Ste 55Sacramento, CA 95834
Seattle Washington Branch14900 Interurban Ave S Ste 150Seattle, WA 98168
San Jose Branch2550 N First Street Ste 102San Jose, CA 95131
San Francisco Branch301 Folsom St, Ste ASan Francisco, CA 94105
Tri-Cities Branch330 North Brand Blvd., Ste. 120Glendale, CA 91203
San Diego Branch3737 Camino Del Rio South, Ste. 101San Diego, CA 92108
Kilroy Airport Way3750 Kilroy Airport Way, Suite 130Long Beach, CA 90806