Overview / Commentary
713-674-5778
13700 W Sam Houston Parkway N
Houston, TX 77044

United Community CU (TX) is headquartered in Houston and is the 127th largest credit union in the state of Texas. It is also the 1,621st largest credit union in the nation. It was established in 1950 and as of December of 2018, it had grown to 44 employees and 12,255 members at 4 locations. United Community CU (TX)'s CD rates are 68% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

United Community Credit Union is open to those who reside, attend school, work, or worship in the following East Houston areas: Summerwood, Channelview, Sheldon, Atascocita, Crosby, Highlands, North Shore, Humble, Galena Park, Huffman, and Jacinto City, or by being a part of one the credit union's SEGs.
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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. United Community CU (TX) has a relatively low asset base.

Health Grade Components

Overall
NCUA #68369
Year Chartered1950
Employees44
Primary Regulator
Profit Margin
Return on Assets - YTD0.32%
Return on Equity - YTD3.29%
Annual Interest Income$4.4MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$99.2MM$102.2MM
LoansQ4 2018vs Q4 2017$82.5MM$80.4MM
DepositsQ4 2018vs Q4 2017$87.1MM$91.2MM
Equity CapitalQ4 2018vs Q4 2017$9.7MM$9.4MM
Loan Loss AllowanceQ4 2018vs Q4 2017$559.00K$318.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$251.00K$380.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Community CU (TX) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%*$25k*-Savings Account
OTHER TIERS: 0.05% $500 - $5k | 0.10% $5k - $10k | 0.15% $10k - $25k

United Community CU (TX) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%$1k-60 Month CD
2.63%$1k-48 Month CD
2.53%$1k-36 Month CD
2.17%$1k-24 Month CD
1.66%$1k-18 Month CD
1.51%$1k-12 Month CD
1.16%$1k-6 Month CD

United Community CU (TX) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%$1k-60 Month IRA
2.63%$1k-48 Month IRA
2.53%$1k-36 Month IRA
2.17%$1k-24 Month IRA
1.66%$1k-18 Month IRA
1.51%$1k-12 Month IRA
1.16%$1k-6 Month IRA
Locations


United Community CU (TX) Locations
Branch Office771 Normandy StHouston, TX 77015-3467
Branch Office14028 FM 2100 RdCrosby, TX 77532
Branch Office1700 16th StGalena Park, TX 77547
Corporate Office13700 E Sam Houston Parkway NHouston, TX 77044

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