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University & Community Credit Union

Overview / Commentary
311 E McElroy Rd
Stillwater, OK 74075-3815

University & Community Credit Union is headquartered in Stillwater and is the 19st largest credit union in the state of Oklahoma. It is also the 1,492nd largest credit union in the nation. It was established in 1968 and as of March of 2014, it had grown to 19 employees and 13,047 members. University & Community Credit Union's savings rates are 2X the national average, and it has a A health rating.

Field of Membership Restrictions

Anyone who lives, works, worships, volunteers or attends school in Stillwater, Oklahoma. - See Details

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 University & Community Credit Union had $545,000 in non-current loans and owned real-estate with $8.88 million in equity and loan loss allowances on hand to cover it. This gives University & Community Credit Union a Texas Ratio of 6.14% 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 University & Community Credit Union experienced no significant changes from 6.79% as of March 31, 2013 to 6.14% as of March 31, 2014, resulting in a positive change of 9.61%.This indicates that the balance sheet and financial strength for University & Community Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, University & Community Credit Union has increased its total deposits by $7.34 million, resulting in 8.53% 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 University & Community Credit Union has shown is excellent.



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. University & Community Credit Union has $103.06 million in assets with $8.88 million in equity, resulting in a capitalization level of 8.61%, which is average.

Institution Statistics

NCUA #18965
Year Chartered1968
Primary Regulator
Assets and Liabilities
Assets$103.06 million
Loans$43.91 million
Deposits$93.42 million
Equity Capital$8.51 million
Loan Loss Allowance$366,000
Unbacked Noncurrent Loans$463,000
Real Estate Owned$82,000
Historic Data - March 2013
Assets$95.89 million
Equity Capital$8.61 million
Loan Loss Allowance$329,000
Unbacked Noncurrent Loans$463,000
Real Estate Owned$136,000
Profit Margin - Quarterly
Net Interest Margin1.18%
Return on Assets0.55%
Return on Equity6.63%
Interest Income$698,000

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University & Community Credit Union Savings Account Rates

1.21%$50k-IRA Shares Account
1.21%$50k-Roth IRA Shares Account
1.21%$50k-CESA Shares Account
0.20%$20k-Share Savings Account

University & Community Credit Union Money Market Rates

0.30%$50k-Money Market Account

University & Community Credit Union Checking Account Rates

0.05%$500-Checking Account

University & Community Credit Union CD Rates

1.41%$1k-60 Month Share Certificate
1.00%$1k-36 Month Share Certificate
0.70%$1k-24 Month Share Certificate
0.50%$1k-12 Month Share Certificate
0.35%$1k-6 Month Share Certificate

University & Community Credit Union IRA Rates

1.41%$1k-60 Month IRA Share Certificate
1.00%$1k-36 Month IRA Share Certificate
0.70%$1k-24 Month IRA Share Certificate
0.50%$1k-12 Month IRA Share Certificate
0.35%$1k-6 Month IRA Share Certificate

University & Community Credit Union Locations
Branch Office311 E McElroy RdStillwater, OK 74075-3815
Branch Office54 Student UnStillwater, OK 74075-9903
Branch Office4620 W 6th AveStillwater, OK 74074