University & Community Credit Union

University & Community Credit Union is headquartered in Stillwater and is the 20^th largest credit union in the state of Oklahoma. It is also the 1,562^nd largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 20 employees and 13,753 members. University & Community Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics UNIVERSITY & COMMUNITY NCUA # 18965 BankRate Report View Year Chartered 1968 Employees 20 Primary Regulator Assets and Liabilities Assets $85.43 million Loans $41.58 million Deposits $76.72 million Equity Capital $8.20 million Loan Loss Allowance $302,000 Unbacked Noncurrent Loans $776,000 Historic Data - December 2010 Assets $79.20 million Equity Capital $7.54 million Loan Loss Allowance $308,000 Unbacked Noncurrent Loans $200,000 Profit Margin - Quarterly Net Interest Margin 5.63% Return on Assets 0.72% Return on Equity 7.54% Interest Income $3.42 million Non-Interest Income $1.02 million

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 University & Community Credit Union had $776,000 in non-current loans and owned real-estate with $8.5 million in equity and loan loss allowances on hand to cover it. This gives University & Community Credit Union a Texas Ratio of 9.13% 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 University & Community Credit Union increased slightly from 2.55% as of December 31, 2010 to 9.13% as of December 31, 2011, resulting in a negative change of 257.93%. This indicates that the balance sheet and financial strength for University & Community Credit Union has declined slightly in recent periods. Deposit Growth In the past year, University & Community Credit Union has increased its total deposits by $5.37 million, resulting in 7.53% 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. 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. University & Community Credit Union has $85.43 million in assets with $8.5 million in equity, resulting in a capitalization level of 9.95%, which is average.

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