United Services Credit Union
United Services Credit Union is headquartered in TOLEDO and is the 250th largest credit union in the state of Ohio. It is also the 5,093rd largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 4 employees and 1,117 members. United Services Credit Union has a 5-star health rating.
See Rates for: Savings |
CD |
IRA
United Services Credit Union Savings Account Rates
|
Apy | Min | Max | Product |
| 0.20% | $2,500 | - | ISMA Account |
| 0.10% | $300 | - | Regular Shares Account |
| 0.10% | $300 | - | Holiday Share Account |
United Services Credit Union CD Rates
|
Apy | Min | Max | Product |
| 0.30% | $100 | - | 1 Year Youth Share CD |
| 0.30% | $1k | - | 1 Year CD |
| 0.20% | $1k | - | 6 Month CD |
| 0.15% | $1k | - | 3 Month CD |
United Services Credit Union IRA Rates
Rates updated: 5/27/2012
Data for Q4 2011
Institution Statistics
| UNITED SERVICES | | NCUA # | 6019 | | BankRate Report | View | | Year Chartered | 1949 | | Employees | 4 | | Primary Regulator | |
Assets and Liabilities | | Assets | $7.16 million | | Loans | $2.07 million | | Deposits | $5.68 million | | Equity Capital | $1.26 million | | Loan Loss Allowance | $10,000 |
Historic Data - December 2010 | | Assets | $6.65 million | | Equity Capital | $1.27 million | | Loan Loss Allowance | $21,000 | | Unbacked Noncurrent Loans | $2,000 |
Profit Margin - Quarterly | | Net Interest Margin | 7.37% | | Return on Assets | -0.11% | | Return on Equity | -0.64% | | Interest Income | $258,000 | | Non-Interest Income | $68,000 |
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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 Services Credit Union had $0 in non-current loans and owned real-estate with $1.27 million in equity and loan loss allowances on hand to cover it. This gives United Services Credit Union a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, United Services Credit Union has increased its total deposits by $502,000, resulting in 9.7% 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 Services 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 Services Credit Union has $7.16 million in assets with $1.27 million in equity, resulting in a capitalization level of 17.69%, which is excellent. |
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