Utah Power Credit Union

Utah Power Credit Union is headquartered in Salt Lake City and is the 7^th largest credit union in the state of Utah. It is also the 459^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 39 employees and 22,742 members. Utah Power Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics UTAH POWER NCUA # 67132 BankRate Report View Year Chartered 1935 Employees 39 Primary Regulator Assets and Liabilities Assets $427.65 million Loans $224.11 million Deposits $371.50 million Equity Capital $53.93 million Loan Loss Allowance $826,000 Unbacked Noncurrent Loans $626,000 Historic Data - December 2010 Assets $398.11 million Equity Capital $49.66 million Loan Loss Allowance $730,000 Unbacked Noncurrent Loans $794,000 Profit Margin - Quarterly Net Interest Margin 3.72% Return on Assets 1.49% Return on Equity 11.84% Interest Income $16.48 million Non-Interest Income $2.24 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 Utah Power Credit Union had $626,000 in non-current loans and owned real-estate with $54.75 million in equity and loan loss allowances on hand to cover it. This gives Utah Power Credit Union a Texas Ratio of 1.14% 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 Utah Power Credit Union decreased slightly from 1.58% as of December 31, 2010 to 1.14% as of December 31, 2011, resulting in a positive change of 27.44%.This indicates that the balance sheet and financial strength for Utah Power Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Utah Power Credit Union has increased its total deposits by $24.95 million, resulting in 7.2% 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 Power 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 Power Credit Union has $427.65 million in assets with $54.75 million in equity, resulting in a capitalization level of 12.80%, which is excellent.

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