Anoka Hennepin Credit Union

Anoka Hennepin Credit Union is headquartered in COON RAPIDS and is the 25^th largest credit union in the state of Minnesota. It is also the 1,164^th largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 45 employees and 18,627 members. Anoka Hennepin Credit Union has a 2-star health rating.

Anoka Hennepin Credit Union Routing Number: 291073231

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Data for Q4 2011

Institution Statistics ANOKA HENNEPIN NCUA # 60148 BankRate Report View Year Chartered 1963 Employees 45 Primary Regulator Assets and Liabilities Assets $133.40 million Loans $101.42 million Deposits $124.19 million Equity Capital $8.36 million Loan Loss Allowance $2.59 million Unbacked Noncurrent Loans $2.90 million Real Estate Owned $2.47 million Historic Data - December 2010 Assets $151.78 million Equity Capital $10.11 million Loan Loss Allowance $2.14 million Unbacked Noncurrent Loans $5.91 million Real Estate Owned $1.59 million Profit Margin - Quarterly Net Interest Margin 5.38% Return on Assets -1.31% Return on Equity -20.82% Interest Income $6.47 million Non-Interest Income $2.57 million

Institution Health Overall Score: 2 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 Anoka Hennepin Credit Union had $5.37 million in non-current loans and owned real-estate with $10.96 million in equity and loan loss allowances on hand to cover it. This gives Anoka Hennepin Credit Union a Texas Ratio of 48.98% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Anoka Hennepin Credit Union decreased slightly from 61.19% as of December 31, 2010 to 48.98% as of December 31, 2011, resulting in a positive change of 19.95%.This indicates that the balance sheet and financial strength for Anoka Hennepin Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Anoka Hennepin Credit Union has decreased its total deposits by -$16.52 million, resulting in -11.74% 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 Anoka Hennepin Credit Union has shown is poor. 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. Anoka Hennepin Credit Union has $133.4 million in assets with $10.96 million in equity, resulting in a capitalization level of 8.21%, which is average.