A H E Plant 3 Credit Union

A H E Plant 3 Credit Union is headquartered in WINCHESTER and is the 150^th largest credit union in the state of Indiana. It is also the 5,627^th largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 4 employees and 1,860 members. A H E Plant 3 Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics A H E PLANT 3 NCUA # 17339 BankRate Report View Year Chartered 1966 Employees 4 Primary Regulator Assets and Liabilities Assets $4.55 million Loans $1.68 million Deposits $3.54 million Equity Capital $1.00 million Loan Loss Allowance $13,000 Unbacked Noncurrent Loans $21,000 Historic Data - December 2010 Assets $4.32 million Equity Capital $935,000 Loan Loss Allowance $27,000 Unbacked Noncurrent Loans $26,000 Profit Margin - Quarterly Net Interest Margin 7.22% Return on Assets 1.45% Return on Equity 6.59% Interest Income $150,000 Non-Interest Income $107,000

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 A H E Plant 3 Credit Union had $21,000 in non-current loans and owned real-estate with $1.01 million in equity and loan loss allowances on hand to cover it. This gives A H E Plant 3 Credit Union a Texas Ratio of 2.07% 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 A H E Plant 3 Credit Union decreased slightly from 2.70% as of December 31, 2010 to 2.07% as of December 31, 2011, resulting in a positive change of 23.37%.This indicates that the balance sheet and financial strength for A H E Plant 3 Credit Union has improved slightly in recent periods. Deposit Growth In the past year, A H E Plant 3 Credit Union has increased its total deposits by $164,000, resulting in 4.86% 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 A H E Plant 3 Credit Union has shown is above average. 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. A H E Plant 3 Credit Union has $4.55 million in assets with $1.01 million in equity, resulting in a capitalization level of 22.30%, which is excellent.

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