Unitus Community Credit Union

Unitus Community Credit Union is headquartered in Portland and is the 5^th largest credit union in the state of Oregon. It is also the 220^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 223 employees and 77,052 members. Unitus Community Credit Union's savings rates are 2X the national average, and it boasts a 5-star health rating.

Unitus Community Credit Union Routing Number: 323075699

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Data for Q4 2011

Institution Statistics UNITUS COMMUNITY NCUA # 63440 BankRate Report View Year Chartered 1937 Employees 223 Primary Regulator Assets and Liabilities Assets $851.82 million Loans $496.04 million Deposits $732.81 million Equity Capital $69.25 million Loan Loss Allowance $4.66 million Unbacked Noncurrent Loans $4.64 million Historic Data - December 2010 Assets $836.66 million Equity Capital $70.59 million Loan Loss Allowance $5.42 million Unbacked Noncurrent Loans $3.89 million Real Estate Owned $1.01 million Profit Margin - Quarterly Net Interest Margin 5.17% Return on Assets 0.24% Return on Equity 2.91% Interest Income $35.26 million Non-Interest Income $11.73 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 Unitus Community Credit Union had $4.64 million in non-current loans and owned real-estate with $73.91 million in equity and loan loss allowances on hand to cover it. This gives Unitus Community Credit Union a Texas Ratio of 6.28% 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 Unitus Community Credit Union held steady from 6.44% as of December 31, 2010 to 6.28% as of December 31, 2011, resulting in a positive change of 2.54%.This indicates that the balance sheet and financial strength for Unitus Community Credit Union has held steady in recent periods. Deposit Growth In the past year, Unitus Community Credit Union has increased its total deposits by $39.26 million, resulting in 5.66% 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 Unitus Community 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. Unitus Community Credit Union has $851.82 million in assets with $73.91 million in equity, resulting in a capitalization level of 8.68%, which is average.

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