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Overview / Commentary
4833 S Sheridan Ste 401
Tulsa, OK 74145

United Members Credit Union is headquartered in Tulsa and is the 49th largest credit union in the state of Oklahoma. It is also the 4,142nd largest credit union in the nation. It was established in 1954 and as of March of 2014, it had grown to 4 employees and 1,359 members. United Members Credit Union's savings rates are 15% higher than the national average, and it has a B health rating.

Field of Membership Restrictions

Must be an employee of one of the several select employer groups. - See Details

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. United Members Credit Union has a low asset base.

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 Members Credit Union had $10,000 in non-current loans and owned real-estate with $1.81 million in equity and loan loss allowances on hand to cover it. This gives United Members Credit Union a Texas Ratio of 0.55% 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 Members Credit Union decreased dramatically from 2.32% as of March 31, 2013 to 0.55% as of March 31, 2014, resulting in a positive change of 76.15%.This indicates that the balance sheet and financial strength for United Members Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, United Members Credit Union has decreased its total deposits by $-181,000, resulting in -1.6% 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 Members Credit Union has shown is average.



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 Members Credit Union has $12.99 million in assets with $1.81 million in equity, resulting in a capitalization level of 13.94%, which is excellent.

Institution Statistics

NCUA #9248
Year Chartered1954
Primary Regulator
Assets and Liabilities
Assets$12.99 million
Loans$2.33 million
Deposits$11.16 million
Equity Capital$1.81 million
Loan Loss Allowance$6,000
Unbacked Noncurrent Loans$10,000
Real Estate Owned$0
Historic Data - March 2013
Assets$13.18 million
Equity Capital$1.80 million
Loan Loss Allowance$12,000
Unbacked Noncurrent Loans$10,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.28%
Return on Assets0.37%
Return on Equity2.66%
Interest Income$85,000
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United Members Credit Union Savings Account Rates

0.60%--Share Account
0.60%--Club Account

United Members Credit Union IRA Rates

0.60%--IRA Account

United Members Credit Union Locations
Branch Office4833 S Sheridan Rd Ste 401Tulsa, OK 74145