Unitedone Credit Union

Unitedone Credit Union is headquartered in Manitowoc and is the 26^th largest credit union in the state of Wisconsin. It is also the 956^th largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 64 employees and 19,950 members. Unitedone Credit Union has a 3-star health rating.

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Data for Q4 2011

Institution Statistics UNITEDONE NCUA # 67248 BankRate Report View Year Chartered 1938 Employees 64 Primary Regulator Assets and Liabilities Assets $172.07 million Loans $140.61 million Deposits $154.41 million Equity Capital $16.42 million Loan Loss Allowance $2.20 million Unbacked Noncurrent Loans $2.77 million Real Estate Owned $215,000 Historic Data - December 2010 Assets $179.25 million Equity Capital $15.13 million Loan Loss Allowance $1.99 million Unbacked Noncurrent Loans $3.76 million Real Estate Owned $390,000 Profit Margin - Quarterly Net Interest Margin 4.58% Return on Assets 0.73% Return on Equity 7.68% Interest Income $7.78 million Non-Interest Income $2.90 million

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 Unitedone Credit Union had $2.99 million in non-current loans and owned real-estate with $18.62 million in equity and loan loss allowances on hand to cover it. This gives Unitedone Credit Union a Texas Ratio of 16.04% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Unitedone Credit Union decreased slightly from 24.21% as of December 31, 2010 to 16.04% as of December 31, 2011, resulting in a positive change of 33.77%.This indicates that the balance sheet and financial strength for Unitedone Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Unitedone Credit Union has decreased its total deposits by -$8.68 million, resulting in -5.33% 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 Unitedone Credit Union has shown is poor. 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. Unitedone Credit Union has $172.07 million in assets with $18.62 million in equity, resulting in a capitalization level of 10.82%, which is above average.

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