Utah Heritage Credit Union

PO Box 50
Moroni, UT 84646
435-436-8288
www.utahheritagecu.org

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Utah Heritage Credit Union is headquartered in MORONI and is the 28^th largest credit union in the state of Utah. It is also the 2,320^th largest credit union in the nation. It was established in 1969 and as of December of 2011, it had grown to 21 employees and 7,146 members. Utah Heritage Credit Union has a 4-star health rating.

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See Rates for: Savings | Money Market | CD

Utah Heritage Credit Union Savings Account Rates

Apy	Min	Max	Product
0.30%	$2,500	-	Suffix IRA
0.10%	$100	-	Suffix
0.10%	$100	-	All Other Shares
0.10%	$100	-	Youth Account

Utah Heritage Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$50k	-	Money Market Account

Utah Heritage Credit Union CD Rates

Apy	Min	Max	Product
1.11%	$500	-	60 Month Jumbo CD
1.00%	$500	-	60 Month CD
0.85%	$500	-	48 Month Jumbo CD
0.75%	$500	-	48 Month CD
0.60%	$500	-	24 Month Jumbo CD
0.60%	$500	-	36 Month Jumbo CD
0.50%	$50k	-	12 Month Flex CD
0.50%	$500	-	15 Month CD
0.50%	$500	-	15 Month Youth CD
0.50%	$500	-	24 Month CD
0.50%	$500	-	36 Month CD
0.50%	$500	-	18 Month Jumbo CD
0.45%	$500	-	12 Month Jumbo CD
0.40%	$500	-	18 Month CD
0.35%	$500	-	12 Month CD
0.35%	$500	-	6 Month Jumbo CD
0.25%	$500	-	6 Month CD

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

UTAH HERITAGE
NCUA #	67076
BankRate Report	View
Year Chartered	1969
Employees	21
Primary Regulator
Assets and Liabilities
Assets	$46.77 million
Loans	$36.51 million
Deposits	$42.83 million
Equity Capital	$3.78 million
Loan Loss Allowance	$339,000
Unbacked Noncurrent Loans	$638,000
Real Estate Owned	$95,000
Historic Data - December 2010
Assets	$42.11 million
Equity Capital	$3.42 million
Loan Loss Allowance	$272,000
Unbacked Noncurrent Loans	$1.18 million
Profit Margin - Quarterly
Net Interest Margin	5.83%
Return on Assets	0.77%
Return on Equity	9.55%
Interest Income	$2.52 million
Non-Interest Income	$399,000

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 Utah Heritage Credit Union had $733,000 in non-current loans and owned real-estate with $4.12 million in equity and loan loss allowances on hand to cover it. This gives Utah Heritage Credit Union a Texas Ratio of 17.80% 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 Utah Heritage Credit Union decreased significantly from 31.85% as of December 31, 2010 to 17.80% as of December 31, 2011, resulting in a positive change of 44.13%.This indicates that the balance sheet and financial strength for Utah Heritage Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Utah Heritage Credit Union has increased its total deposits by $4.35 million, resulting in 11.31% 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 Utah Heritage 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. Utah Heritage Credit Union has $46.77 million in assets with $4.12 million in equity, resulting in a capitalization level of 8.81%, which is average.

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