Average User Rating:
1 star rating based on 1 review.

Florida Hospital Credit Union

601 E Rollins St
Orlando, FL 32803
407-303-1527
www.fhcu.cc

NCUA

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Florida Hospital Credit Union is headquartered in Altamonte Sprin and is the 95^th largest credit union in the state of Florida. It is also the 2,578^th largest credit union in the nation. It was established in 1991 and as of December of 2012, it had grown to 18 employees and 8,679 members. Florida Hospital Credit Union has a 5-star health rating.

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See Rates for: Savings | Money Market | CD

Florida Hospital Credit Union Savings Account Rates

Apy	Min	Max	Product
0.30%	$50k	-	Primary Savings Account
0.30%	-	-	Christmas Club Account

Florida Hospital Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$50k	-	Money Market Account

Florida Hospital Credit Union CD Rates

Apy	Min	Max	Product
0.75%	$1k	-	36 Month CD
0.50%	$1k	-	24 Month CD
0.40%	$1k	-	18 Month CD
0.35%	$1k	-	12 Month CD
0.25%	$1k	-	9 Month CD
0.20%	$1k	-	6 Month CD

Rates updated: 6/18/2013

Data for Q4 2012

Institution Statistics

FLORIDA HOSPITAL
NCUA #	67349
BankRate Report	View
Year Chartered	1991
Employees	18
Primary Regulator
Assets and Liabilities
Assets	$39.46 million
Loans	$18.36 million
Deposits	$34.75 million
Equity Capital	$4.13 million
Loan Loss Allowance	$162,000
Unbacked Noncurrent Loans	$2,000
Historic Data - December 2011
Assets	$37.44 million
Equity Capital	$4.10 million
Loan Loss Allowance	$155,000
Unbacked Noncurrent Loans	$36,000
Real Estate Owned	$105,000
Profit Margin - Quarterly
Net Interest Margin	5.68%
Return on Assets	0.07%
Return on Equity	0.7%
Interest Income	$1.33 million
Non-Interest Income	$870,000

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, 2012 Florida Hospital Credit Union had $2,000 in non-current loans and owned real-estate with $4.29 million in equity and loan loss allowances on hand to cover it. This gives Florida Hospital Credit Union a Texas Ratio of 0.05% 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 Florida Hospital Credit Union decreased significantly from 3.31% as of December 31, 2011 to 0.05% as of December 31, 2012, resulting in a positive change of 98.59%.This indicates that the balance sheet and financial strength for Florida Hospital Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Florida Hospital Credit Union has increased its total deposits by $1.96 million, resulting in 5.99% 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 Florida Hospital Credit Union has shown is excellent.
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. Florida Hospital Credit Union has $39.46 million in assets with $4.29 million in equity, resulting in a capitalization level of 10.87%, which is above average.

TRYING TO GET AUTO LOAN-LOAN OFFICER NOT TRUTHFUL
1 stars

- LOANTROUBLE - Wednesday, November 14, 2012 - 1:56 PM

THIS IS THE WORST PLACE I HAVE EVER DONE BUSINESS WITH.

THE LOAN OFFICER AT ALTAMONTE BRANCH DOES NOT KNOW WHAT SHE IS DOING.

REPEATEDLY LIED TO US.

ANYONE EVER HERE OF GETTING A LOAN AND THE SELLER AND BUYER HAD TO WAIT TO GET THERE MONEY BECAUSE THE CREDIT UNION SAID THEY HAD TO GIVE ALL OF THE MONEY TO THE DMV, THEN EVERYONE WOULD HAVE TO WAIT FOR THE DMV TO REMBURSE THE BUYER AND THEN THE SELLER WOULD HAVE TO GET THEIR MONEY FROM THE BUYER THEN, NEEDLESS TO SAY THE CAR WOULD ALREADY BE SOLD, TAGGED AND TITLE TO THE BUYER AND THE SELLER STILL HAS NOT BEEN PAID. UNBELIEVABLE!!!!!!!!!!!!!!!!!!!!!!!!!!!!

MY CREDIT UNION( NOT FLORIDA HOSPITAL CREDIT UNION) HAVE NEVER HEARD OF THIS.

BEEN TRYING TO GET THIS LOAN FINALIZED FOR OVER A MONTH NOW, HAVE TAKEN SEVERAL DAYS OFF TO TRY AND GET RESOLVED.

I WILL NEVER DO BUSINESS WITH THIS CREDIT UNION AGAIN.!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!