Unity One Credit Union

Major Rating Factors: Very Weak current capitalization (0.2 on a scale of 0 to 10) based on a net capital to total assets of 3.4 and a net worth ratio of 8.9. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).

Other Rating Factors: Weak liquidity 2.7, driven by a liquidity ratio of 5.1 percent and a “hot money” ratio of 9.4 percent. A current level of 11.5 percent of nonperforming loans to core capital combined with 12.5 percent from a year earlier contributes to the Good asset quality (6.5).

Asset Mix: Consumer loans (39%), home mtgs (1%), other (60%)

Asset Quality

Non-Performing Loans to Capital

11.46%

Non-Performing Assets to Assets

0.51%

Non-Performing Loans to Loans

0.72%

Loan Loss Reserves to Loans

1.56%

Charge-Offs to Average Loans

0.71%

5-Year Charge-Offs to Average Loans

0.76%

5-Year Asset Growth

3.39%

1-Year Asset Growth

-4.72%

Profitability

Operating Profit to Average Assets

1.38%

Return on Equity

29.46%

Net Interest Spread

4.11%

5-Year ROAA (Return on Average Assets)

0.34%

Overhead Efficiency Ratio

73.39%

Liquidity

Liquidity Ratio

5.10%

Hot Money

9.37%

Corporate Info

Address

6701 Burlington Boulevard
Fort Worth, TX 76131

Phone Number

(817) 306-3100

NCUA Charter Number

68589

Website

http://www.unityone.org

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