Upwa, District #1 Area 5 Credit Union

Upwa, District #1 Area 5 Credit Union is headquartered in chicago and is the 319^st largest credit union in the state of Illinois. It is also the 6,788^th largest credit union in the nation. It was established in 1959 and as of December of 2011, it had grown to employees and 754 members. Upwa, District #1 Area 5 Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics UPWA, DISTRICT #1 AREA 5 NCUA # 65830 BankRate Report View Year Chartered 1959 Employees 0 Primary Regulator Assets and Liabilities Assets $833,000 Loans $197,000 Deposits $793,000 Equity Capital $38,000 Loan Loss Allowance $12,000 Unbacked Noncurrent Loans $8,000 Historic Data - December 2010 Assets $784,000 Equity Capital $69,000 Loan Loss Allowance $11,000 Unbacked Noncurrent Loans $18,000 Profit Margin - Quarterly Net Interest Margin 15.23% Return on Assets -2.76% Return on Equity -60.53% Interest Income $31,000 Non-Interest Income $9,000

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 Upwa, District #1 Area 5 Credit Union had $8,000 in non-current loans and owned real-estate with $50,000 in equity and loan loss allowances on hand to cover it. This gives Upwa, District #1 Area 5 Credit Union a Texas Ratio of 16.00% 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 Upwa, District #1 Area 5 Credit Union decreased slightly from 22.50% as of December 31, 2010 to 16.00% as of December 31, 2011, resulting in a positive change of 28.89%.This indicates that the balance sheet and financial strength for Upwa, District #1 Area 5 Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Upwa, District #1 Area 5 Credit Union has increased its total deposits by $81,000, resulting in 11.38% 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 Upwa, District #1 Area 5 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. Upwa, District #1 Area 5 Credit Union has $833,000 in assets with $50,000 in equity, resulting in a capitalization level of 6.00%, which is below average.

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