United Poles Credit Union

United Poles Credit Union is headquartered in PERTH AMBOY and is the 52^nd largest credit union in the state of New Jersey. It is also the 2,610^st largest credit union in the nation. It was established in 1965 and as of December of 2011, it had grown to 8 employees and 2,857 members. United Poles Credit Union's savings rates are 15% higher than the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics UNITED POLES NCUA # 16577 BankRate Report View Year Chartered 1965 Employees 8 Primary Regulator Assets and Liabilities Assets $37.61 million Loans $19.28 million Deposits $34.59 million Equity Capital $2.93 million Loan Loss Allowance $432,000 Unbacked Noncurrent Loans $1.35 million Real Estate Owned $576,000 Historic Data - December 2010 Assets $37.63 million Equity Capital $3.42 million Loan Loss Allowance $387,000 Unbacked Noncurrent Loans $1.64 million Real Estate Owned $554,000 Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets -1.29% Return on Equity -16.58% Interest Income $1.46 million Non-Interest Income ($12,000)

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 Poles Credit Union had $1.92 million in non-current loans and owned real-estate with $3.36 million in equity and loan loss allowances on hand to cover it. This gives United Poles Credit Union a Texas Ratio of 57.15% 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 Poles Credit Union held steady from 57.63% as of December 31, 2010 to 57.15% as of December 31, 2011, resulting in a positive change of 0.84%.This indicates that the balance sheet and financial strength for United Poles Credit Union has held steady in recent periods. Deposit Growth In the past year, United Poles Credit Union has increased its total deposits by $822,000, resulting in 2.43% 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 Poles 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 Poles Credit Union has $37.61 million in assets with $3.36 million in equity, resulting in a capitalization level of 8.94%, which is average.

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