Augusta Health Care Credit Union

Augusta Health Care Credit Union is headquartered in FISHERSVILLE and is the 106^th largest credit union in the state of Virginia. It is also the 4,581^st largest credit union in the nation. It was established in 1964 and as of December of 2011, it had grown to 4 employees and 2,548 members. Augusta Health Care Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.

Augusta Health Care Credit Union Savings Account Rates

Augusta Health Care Credit Union Money Market Rates

Augusta Health Care Credit Union CD Rates

Data for Q4 2011

Institution Statistics AUGUSTA HEALTH CARE CREDIT UNION NCUA # 66933 BankRate Report View Year Chartered 1964 Employees 4 Primary Regulator Assets and Liabilities Assets $10.22 million Loans $4.34 million Deposits $9.38 million Equity Capital $824,000 Loan Loss Allowance $21,000 Unbacked Noncurrent Loans $56,000 Historic Data - December 2010 Assets $10.47 million Equity Capital $781,000 Loan Loss Allowance $6,000 Unbacked Noncurrent Loans $137,000 Profit Margin - Quarterly Net Interest Margin 5.78% Return on Assets 0.42% Return on Equity 5.22% Interest Income $397,000 Non-Interest Income $105,000

Institution Health Overall Score: 4 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 Augusta Health Care Credit Union had $56,000 in non-current loans and owned real-estate with $845,000 in equity and loan loss allowances on hand to cover it. This gives Augusta Health Care Credit Union a Texas Ratio of 6.63% 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 Augusta Health Care Credit Union decreased significantly from 17.41% as of December 31, 2010 to 6.63% as of December 31, 2011, resulting in a positive change of 61.93%.This indicates that the balance sheet and financial strength for Augusta Health Care Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Augusta Health Care Credit Union has decreased its total deposits by $-290,000, resulting in -3% 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 Augusta Health Care Credit Union has shown is below 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. Augusta Health Care Credit Union has $10.22 million in assets with $845,000 in equity, resulting in a capitalization level of 8.27%, which is average.

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