United Nations Credit Union

United Nations Credit Union is headquartered in Long Island Cit and is the 4^th largest credit union in the state of New York. It is also the 28^th largest credit union in the nation. It was established in 1947 and as of December of 2011, it had grown to 349 employees and 94,758 members. United Nations Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics UNITED NATIONS NCUA # 5588 BankRate Report View Year Chartered 1947 Employees 349 Primary Regulator Assets and Liabilities Assets $3.53 billion Loans $1.45 billion Deposits $3.17 billion Equity Capital $332.30 million Loan Loss Allowance $10.61 million Unbacked Noncurrent Loans $25.28 million Real Estate Owned $816,000 Historic Data - December 2010 Assets $3.28 billion Equity Capital $301.63 million Loan Loss Allowance $9.19 million Unbacked Noncurrent Loans $19.27 million Real Estate Owned $346,000 Profit Margin - Quarterly Net Interest Margin 4.91% Return on Assets 0.68% Return on Equity 7.18% Interest Income $124.35 million Non-Interest Income $22.29 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 Nations Credit Union had $26.1 million in non-current loans and owned real-estate with $342.92 million in equity and loan loss allowances on hand to cover it. This gives United Nations Credit Union a Texas Ratio of 7.61% 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 Nations Credit Union held steady from 6.31% as of December 31, 2010 to 7.61% as of December 31, 2011, resulting in a negative change of 20.59%. This indicates that the balance sheet and financial strength for United Nations Credit Union has held steady in recent periods. Deposit Growth In the past year, United Nations Credit Union has increased its total deposits by $215.35 million, resulting in 7.29% 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 Nations 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 Nations Credit Union has $3.53 billion in assets with $342.92 million in equity, resulting in a capitalization level of 9.71%, which is average.

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