Division #6 Highway Credit Union

Division #6 Highway Credit Union is headquartered in Chesterfield and is the 69^th largest credit union in the state of Missouri. It is also the 4,002^nd largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 3 employees and 2,494 members. Division #6 Highway Credit Union has a 5-star health rating.

Division #6 Highway Credit Union Routing Number: 281080988

Division #6 Highway Credit Union Savings Account Rates

Division #6 Highway Credit Union CD Rates

Data for Q4 2011

Institution Statistics DIVISION #6 HIGHWAY NCUA # 64755 BankRate Report View Year Chartered 1953 Employees 3 Primary Regulator Assets and Liabilities Assets $14.87 million Loans $6.31 million Deposits $12.55 million Equity Capital $2.32 million Loan Loss Allowance $50,000 Unbacked Noncurrent Loans $52,000 Historic Data - December 2010 Assets $14.69 million Equity Capital $2.37 million Loan Loss Allowance $59,000 Unbacked Noncurrent Loans $26,000 Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets -0.23% Return on Equity -1.47% Interest Income $450,000 Non-Interest Income $27,000

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 Division #6 Highway Credit Union had $52,000 in non-current loans and owned real-estate with $2.37 million in equity and loan loss allowances on hand to cover it. This gives Division #6 Highway Credit Union a Texas Ratio of 2.20% 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 Division #6 Highway Credit Union held steady from 1.07% as of December 31, 2010 to 2.20% as of December 31, 2011, resulting in a negative change of 105.75%. This indicates that the balance sheet and financial strength for Division #6 Highway Credit Union has held steady in recent periods. Deposit Growth In the past year, Division #6 Highway Credit Union has increased its total deposits by $246,000, resulting in 2% 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 Division #6 Highway 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. Division #6 Highway Credit Union has $14.87 million in assets with $2.37 million in equity, resulting in a capitalization level of 15.90%, which is excellent.

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