Union Community Bank

101 East Main Street
Mount Joy, PA 17552

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 35257
Date Established 2000
Assets $0.55 billion
Loans $0.40 billion
Deposits $0.46 billion
Capital $0.09 billion

Union Community Bank is an FDIC insured institution located in Mount Joy, PA. It was founded in 2000 and has approximately $0.55 billion in assets. Customers can open an account at one of its 15 branches.

For a more detailed analysis of Union Community Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Union Community Bank’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Pennsylvania, Union Community Bank has a significantly higher percent of Multifamily Mortgages, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 30.98
Multifamily
Mortgages
9.28
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 15.85
Construction and Development Loans 5.59
Commercial Real Estate 42.38
Commercial and Industrial Loans 7.82
Farm Loans 0.09

Savings Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.10% $500 - Learn MoreShow Less
6 Mo CD 10K
0.15% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Savings 2.5K
0.05% $100 - Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.25% $500 - Learn MoreShow Less
Special: 17 Mo FIRA
1.55% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.05% $1 $1,499 Learn MoreShow Less
MM Rates APY MIN MAX
MM 2.5K
0.10% $1,000 $4,999 Learn MoreShow Less
MM 10K
0.10% $10,000 $24,999 Learn MoreShow Less
MM 25K
0.15% $25,000 $49,999 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $1 $4,999 Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Union Community Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2017

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Cornerstone Home Lending
NMLS ID: 119622
License#: MC-4673
4.000% 4.000% 0.00 $0 $1,194 Learn More
PenFed Credit Union
NMLS ID: 401822
3.957% 3.875% 0.00 $2,500 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2017

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.240% $217.33 Learn More

Note to Union Community Bank
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Branches

Union Community Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Union Community Bank Locations

Financial Details

Union Community Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Union Community Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Union Community Bank U.S. Bank Average
2.15% 8.45

The Texas Ratio compares the amount of loans at risk and the amount of owned real estate with the amount a bank has on hand to cover any losses. As of June 30, 2017, Union Community Bank had $1,828,000 in non-current loans and $102,000 in owned real estate. To cover these potential losses it had $85,042,000 in equity and $4,583,000 in loans loss reserves. That gives it a Texas Ratio of 2.15%. The closer the Texas Ratio is to 100% and over, the less capital and reserves a bank has to absorb its loan losses.

Return on Equity
Union Community Bank U.S. Bank Average
3.71% 8.58

Union Community Bank has a Return on Equity of 3.71% versus the BestCashCow average of 8.58. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Union Community Bank U.S. Bank Average
15.59% 12.11

Union Community Bank has a Capitalization of 15.59% versus the BestCashCow average of 12.11. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Union Community Bank Balance Sheet Analysis

As of June 30, 2017, Union Community Bank had assets of $545,549,000, loans of $398,944,000, and deposits of $457,856,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Frequently Asked Questions About Union Community Bank

Branches and Savings

Is Union Community Bank FDIC insured?

Yes. It is covered under FDIC Certificate #35257.

Why does Union Community Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Union Community Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Union Community Bank a commercial bank?

Yes

Where are Union Community Bank locations?

See branch locations nearby.

Is Union Community Bank open on Saturdays?

Is Union Community Bank open on Sundays?

What time does Union Community Bank open?

What time does Union Community Bank close?

Are Union Community Bank ATMs Open 24/7?

Do Union Community Bank ATMs accept cash deposits?

Can Union Community Bank customers use other ATMs?

Do Union Community Bank branches have notaries?

Will Union Community Bank notarize my document?

What address for Union Community Bank should I put for incoming ACH transfers?

Will the Union Community Bank branch print checks?

Do Union Community Bank checks expire?

Does Union Community Bank require US citizenship to open account?

Can Union Community Bank close my account?

Does Union Community Bank Report to credit bureaus?

Does Union Community Bank Use Equifax?

What is Union Community Bank's ACH Routing Number?

What is Union Community Bank's SWIFT code?

Products

Does Union Community Bank offer mortgages?

Compare mortgage rates here.

Does Union Community Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Union Community Bank offer personal loans?

Compare personal loan rates here.

Does Union Community Bank offer student loans?

Will Union Community Bank cash a check?

Will Union Community Bank redeem a savings bond?

Does Union Community Bank cash savings bonds?

Will Union Community Bank cash money orders?

Can Union Community Bank issue a money order?

Does Union Community Bank do currency exchange?

Background on The Bank

Who owns Union Community Bank?

How long has Union Community Bank been around?

Can Union Community Bank transfer to other banks?

Does Union Community Bank have quick pay?

Does Union Community Bank accept rolled coins?

Will Union Community Bank accept loose change?

Where is Union Community Bank headquarters?

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