Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
407-303-1527
115 Boston Ave, Suite 2400
Altamonte Sprin, FL 32701

Florida Hospital Credit Union is headquartered in ALTAMONTE SPRIN and is the 93rd largest credit union in the state of Florida. It is also the 2,546th largest credit union in the nation. It was established in 1991 and as of December of 2013, it had grown to 18 employees and 8,612 members. Florida Hospital Credit Union has a B+ health rating.

Field of Membership Restrictions

Must be an employee of the Florida Hospital. Also open to Seventh-Day Adventists church members that live, work or worship in Orange or Seminole County. - See Details

Reviews (1)

TRYING TO GET AUTO LOAN-LOAN OFFICER NOT TRUTHFUL

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.!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

 



Health

Data for Q4 2013

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Florida Hospital Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

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, 2013 Florida Hospital Credit Union had $188,000 in non-current loans and owned real-estate with $4.43 million in equity and loan loss allowances on hand to cover it. This gives Florida Hospital Credit Union a Texas Ratio of 4.24% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Florida Hospital Credit Union experienced no significant changes from 0.05% as of December 31, 2012 to 4.24% as of December 31, 2013, resulting in a negative change of 9,000.95%. This indicates that the balance sheet and financial strength for Florida Hospital Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Florida Hospital Credit Union has increased its total deposits by $953,000, resulting in 2.74% 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 Florida Hospital Credit Union has shown is above average.

Capitalization

GRADE:
B+

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 $40.48 million in assets with $4.43 million in equity, resulting in a capitalization level of 10.95%, which is above average.

Institution Statistics

Overall
NCUA #67349
Year Chartered1991
Employees18
Primary Regulator
Assets and Liabilities
Assets$40.48 million
Loans$18.86 million
Deposits$35.70 million
Equity Capital$4.30 million
Loan Loss Allowance$131,000
Unbacked Noncurrent Loans$188,000
Real Estate Owned$0
Historic Data - December 2012
Assets$39.46 million
Equity Capital$4.13 million
Loan Loss Allowance$162,000
Unbacked Noncurrent Loans$188,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin5.59%
Return on Assets0.42%
Return on Equity4%
Interest Income$1.33 million
Rates
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not Florida Hospital Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Florida Hospital Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.30%$50k-Primary Savings Account
0.30%--Christmas Club Account

Florida Hospital Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.40%$50k-Money Market Account

Florida Hospital Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
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
Locations


Florida Hospital Credit Union Locations
Branch Office601 E Altamonte DrAltamonte Springs, FL 32701
Branch Office601 E Rollins StOrlando, FL 32803
Branch Office900 Winderley PlMaitland, FL 32751-7267
Branch Office115 Boston Ave Suite 2400Altamonte Springs, FL 32701
Branch Office7727 Lake Underhill RdOrlando, FL 32822