Universal CU (KS)

Universal CU (KS) is headquartered in Independence and is the 93^rd largest credit union in the state of Kansas. It is also the 6,748^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to employees and 293 members. Universal CU (KS) has a 3-star health rating.

Data for Q4 2011

Institution Statistics UNIVERSAL NCUA # 64979 BankRate Report View Year Chartered 1935 Employees 0 Primary Regulator Assets and Liabilities Assets $911,000 Loans $519,000 Deposits $522,000 Equity Capital $387,000 Loan Loss Allowance $29,000 Unbacked Noncurrent Loans $112,000 Historic Data - December 2010 Assets $1.01 million Equity Capital $394,000 Loan Loss Allowance $20,000 Unbacked Noncurrent Loans $94,000 Profit Margin - Quarterly Net Interest Margin 10.41% Return on Assets -0.55% Return on Equity -1.29% Interest Income $66,000 Non-Interest Income $3,000

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 Universal CU (KS) had $112,000 in non-current loans and owned real-estate with $416,000 in equity and loan loss allowances on hand to cover it. This gives Universal CU (KS) a Texas Ratio of 26.92% 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 Universal CU (KS) held steady from 22.71% as of December 31, 2010 to 26.92% as of December 31, 2011, resulting in a negative change of 18.58%. This indicates that the balance sheet and financial strength for Universal CU (KS) has held steady in recent periods. Deposit Growth In the past year, Universal CU (KS) has decreased its total deposits by $-92,000, resulting in -14.98% 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 Universal CU (KS) 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. Universal CU (KS) has $911,000 in assets with $416,000 in equity, resulting in a capitalization level of 45.66%, which is excellent.

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