Consolidated-Hub Co Credit Union

Consolidated-Hub Co Credit Union is headquartered in Aberdeen and is the 39^th largest credit union in the state of South Dakota. It is also the 5,592^nd largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 2 employees and 1,158 members. Consolidated-Hub Co Credit Union's savings rates are 2X the national average, and it has a 3-star health rating.

Consolidated-Hub Co Credit Union Savings Account Rates

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Consolidated-Hub Co Credit Union IRA Rates

Data for Q4 2011

Institution Statistics CONSOLIDATED-HUB CO NCUA # 6089 BankRate Report View Year Chartered 1949 Employees 2 Primary Regulator Assets and Liabilities Assets $4.71 million Loans $3.69 million Deposits $4.33 million Equity Capital $372,000 Loan Loss Allowance $30,000 Unbacked Noncurrent Loans $72,000 Historic Data - December 2010 Assets $4.56 million Equity Capital $359,000 Loan Loss Allowance $20,000 Unbacked Noncurrent Loans $23,000 Profit Margin - Quarterly Net Interest Margin 6.46% Return on Assets 0.25% Return on Equity 3.23% Interest Income $257,000 Non-Interest Income $49,000

Institution Health Overall Score: 3 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 Consolidated-Hub Co Credit Union had $72,000 in non-current loans and owned real-estate with $402,000 in equity and loan loss allowances on hand to cover it. This gives Consolidated-Hub Co Credit Union a Texas Ratio of 17.91% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Consolidated-Hub Co Credit Union increased slightly from 6.07% as of December 31, 2010 to 17.91% as of December 31, 2011, resulting in a negative change of 195.13%. This indicates that the balance sheet and financial strength for Consolidated-Hub Co Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Consolidated-Hub Co Credit Union has increased its total deposits by $143,000, resulting in 3.42% 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 Consolidated-Hub Co 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. Consolidated-Hub Co Credit Union has $4.71 million in assets with $402,000 in equity, resulting in a capitalization level of 8.53%, which is average.

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