Institution Statistics
| UNITED SAVINGS | | NCUA # | 65578 | | BankRate Report | View | | Year Chartered | 1935 | | Employees | 14 | | Primary Regulator | |
Assets and Liabilities | | Assets | $36.04 million | | Loans | $21.99 million | | Deposits | $28.83 million | | Equity Capital | $6.89 million | | Loan Loss Allowance | $425,000 | | Unbacked Noncurrent Loans | $350,000 |
Historic Data - December 2010 | | Assets | $34.11 million | | Equity Capital | $6.62 million | | Loan Loss Allowance | $341,000 | | Unbacked Noncurrent Loans | $352,000 |
Profit Margin - Quarterly | | Net Interest Margin | 6.23% | | Return on Assets | 0.79% | | Return on Equity | 4.12% | | Interest Income | $1.62 million | | Non-Interest Income | $307,000 |
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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 Savings CU (ND) had $350,000 in non-current loans and owned real-estate with $7.31 million in equity and loan loss allowances on hand to cover it. This gives United Savings CU (ND) a Texas Ratio of 4.79% 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 Savings CU (ND) held steady from 5.06% as of December 31, 2010 to 4.79% as of December 31, 2011, resulting in a positive change of 5.32%.This indicates that the balance sheet and financial strength for United Savings CU (ND) has held steady in recent periods. | | Deposit Growth | | | In the past year, United Savings CU (ND) has increased its total deposits by $1.55 million, resulting in 5.69% 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 Savings CU (ND) 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 Savings CU (ND) has $36.04 million in assets with $7.31 million in equity, resulting in a capitalization level of 20.28%, which is excellent. |
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