U.P. Catholic Credit Union

U.P. Catholic Credit Union is headquartered in Marquette and is the 71^st largest credit union in the state of Michigan. It is also the 1,212^st largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 29 employees and 10,370 members. U.P. Catholic Credit Union's savings rates are 2X the national average, and it boasts a 5-star health rating.

U.P. Catholic Credit Union Savings Account Rates

U.P. Catholic Credit Union Money Market Rates

U.P. Catholic Credit Union CD Rates

Data for Q4 2011

Institution Statistics U.P. CATHOLIC NCUA # 62038 BankRate Report View Year Chartered 1953 Employees 29 Primary Regulator Assets and Liabilities Assets $126.55 million Loans $49.41 million Deposits $106.40 million Equity Capital $19.02 million Loan Loss Allowance $245,000 Unbacked Noncurrent Loans $299,000 Real Estate Owned $998,000 Historic Data - December 2010 Assets $120.32 million Equity Capital $17.41 million Loan Loss Allowance $226,000 Unbacked Noncurrent Loans $243,000 Real Estate Owned $1.19 million Profit Margin - Quarterly Net Interest Margin 5.41% Return on Assets 0.84% Return on Equity 5.57% Interest Income $4.40 million Non-Interest Income $1.08 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 U.P. Catholic Credit Union had $1.3 million in non-current loans and owned real-estate with $19.26 million in equity and loan loss allowances on hand to cover it. This gives U.P. Catholic Credit Union a Texas Ratio of 6.73% 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 U.P. Catholic Credit Union decreased slightly from 8.15% as of December 31, 2010 to 6.73% as of December 31, 2011, resulting in a positive change of 17.39%.This indicates that the balance sheet and financial strength for U.P. Catholic Credit Union has improved slightly in recent periods. Deposit Growth In the past year, U.P. Catholic Credit Union has increased its total deposits by $4.49 million, resulting in 4.41% 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 U.P. 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. U.P. Catholic Credit Union has $126.55 million in assets with $19.26 million in equity, resulting in a capitalization level of 15.22%, which is excellent.

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