Unity Catholic Credit Union

Unity Catholic Credit Union is headquartered in Parma and is the 74^th largest credit union in the state of Ohio. It is also the 1,842^nd largest credit union in the nation. It was established in 1942 and as of December of 2011, it had grown to 14 employees and 11,205 members. Unity Catholic Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics UNITY CATHOLIC NCUA # 4966 BankRate Report View Year Chartered 1942 Employees 14 Primary Regulator Assets and Liabilities Assets $68.32 million Loans $28.95 million Deposits $61.96 million Equity Capital $6.06 million Loan Loss Allowance $437,000 Unbacked Noncurrent Loans $908,000 Historic Data - December 2010 Assets $65.56 million Equity Capital $5.90 million Loan Loss Allowance $477,000 Unbacked Noncurrent Loans $1.50 million Real Estate Owned $20,000 Profit Margin - Quarterly Net Interest Margin 5.37% Return on Assets 0.07% Return on Equity 0.84% Interest Income $2.31 million Non-Interest Income $357,000

Institution Health Overall Score: 4 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 Unity Catholic Credit Union had $908,000 in non-current loans and owned real-estate with $6.5 million in equity and loan loss allowances on hand to cover it. This gives Unity Catholic Credit Union a Texas Ratio of 13.98% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Unity Catholic Credit Union decreased significantly from 23.78% as of December 31, 2010 to 13.98% as of December 31, 2011, resulting in a positive change of 41.22%.This indicates that the balance sheet and financial strength for Unity Catholic Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Unity Catholic Credit Union has increased its total deposits by $2.34 million, resulting in 3.93% 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 Unity Catholic 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. Unity Catholic Credit Union has $68.32 million in assets with $6.5 million in equity, resulting in a capitalization level of 9.51%, which is average.