Ut-Muo Credit Union

Ut-Muo Credit Union is headquartered in TOLEDO and is the 84^th largest credit union in the state of Ohio. It is also the 2,009^th largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 16 employees and 6,612 members. Ut-Muo Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics UNIVERSITY OF TOLEDO NCUA # 16174 BankRate Report View Year Chartered 1964 Employees 16 Primary Regulator Assets and Liabilities Assets $59.39 million Loans $22.56 million Deposits $51.96 million Equity Capital $7.28 million Loan Loss Allowance $116,000 Unbacked Noncurrent Loans $256,000 Historic Data - December 2010 Assets $56.65 million Equity Capital $7.09 million Loan Loss Allowance $115,000 Unbacked Noncurrent Loans $230,000 Profit Margin - Quarterly Net Interest Margin 5.27% Return on Assets 0.33% Return on Equity 2.67% Interest Income $1.85 million Non-Interest Income $447,000

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 Ut-Muo Credit Union had $256,000 in non-current loans and owned real-estate with $7.39 million in equity and loan loss allowances on hand to cover it. This gives Ut-Muo Credit Union a Texas Ratio of 3.46% 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 Ut-Muo Credit Union held steady from 3.19% as of December 31, 2010 to 3.46% as of December 31, 2011, resulting in a negative change of 8.43%. This indicates that the balance sheet and financial strength for Ut-Muo Credit Union has held steady in recent periods. Deposit Growth In the past year, Ut-Muo Credit Union has increased its total deposits by $2.56 million, resulting in 5.19% 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 Ut-Muo 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. Ut-Muo Credit Union has $59.39 million in assets with $7.39 million in equity, resulting in a capitalization level of 12.45%, which is excellent.

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