U.P. Connection Credit Union

U.P. Connection Credit Union is headquartered in Omaha and is the 26^th largest credit union in the state of Nebraska. It is also the 2,928^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 12 employees and 4,268 members. U.P. Connection Credit Union's savings rates are 35% higher than the national average, and it boasts a 5-star health rating.

U.P. Connection Credit Union Checking Account Rates

U.P. Connection Credit Union Savings Account Rates

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U.P. Connection Credit Union IRA Rates

Data for Q4 2011

Institution Statistics U.P. CONNECTION NCUA # 4098 BankRate Report View Year Chartered 1940 Employees 12 Primary Regulator Assets and Liabilities Assets $30.26 million Loans $15.26 million Deposits $25.28 million Equity Capital $4.72 million Loan Loss Allowance $186,000 Unbacked Noncurrent Loans $268,000 Historic Data - December 2010 Assets $30.26 million Equity Capital $4.65 million Loan Loss Allowance $314,000 Unbacked Noncurrent Loans $548,000 Profit Margin - Quarterly Net Interest Margin 7.34% Return on Assets 0.22% Return on Equity 1.42% Interest Income $1.51 million Non-Interest Income $446,000

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. Connection Credit Union had $268,000 in non-current loans and owned real-estate with $4.9 million in equity and loan loss allowances on hand to cover it. This gives U.P. Connection Credit Union a Texas Ratio of 5.46% 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. Connection Credit Union decreased significantly from 11.04% as of December 31, 2010 to 5.46% as of December 31, 2011, resulting in a positive change of 50.49%.This indicates that the balance sheet and financial strength for U.P. Connection Credit Union has improved significantly in recent periods. Deposit Growth In the past year, U.P. Connection Credit Union has decreased its total deposits by $-148,000, resulting in -0.58% 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. Connection Credit Union has shown is 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. Connection Credit Union has $30.26 million in assets with $4.9 million in equity, resulting in a capitalization level of 16.20%, which is excellent.

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