H & H Credit Union

H & H Credit Union is headquartered in STINNETT and is the 170^th largest credit union in the state of Texas. It is also the 2,204^th largest credit union in the nation. It was established in 1963 and as of December of 2011, it had grown to 13 employees and 5,058 members. H & H Credit Union's savings rates are 35% higher than the national average, and it boasts a 5-star health rating.

H & H Credit Union Checking Account Rates

H & H Credit Union Savings Account Rates

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H & H Credit Union IRA Rates

Data for Q4 2011

Institution Statistics H & H NCUA # 15961 BankRate Report View Year Chartered 1963 Employees 13 Primary Regulator Assets and Liabilities Assets $51.76 million Loans $21.10 million Deposits $43.69 million Equity Capital $7.82 million Loan Loss Allowance $93,000 Unbacked Noncurrent Loans $170,000 Historic Data - December 2010 Assets $51.18 million Equity Capital $8.01 million Loan Loss Allowance $86,000 Unbacked Noncurrent Loans $247,000 Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets -0.35% Return on Equity -2.34% Interest Income $1.44 million Non-Interest Income $63,000

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 H & H Credit Union had $170,000 in non-current loans and owned real-estate with $7.92 million in equity and loan loss allowances on hand to cover it. This gives H & H Credit Union a Texas Ratio of 2.15% 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 H & H Credit Union decreased slightly from 3.05% as of December 31, 2010 to 2.15% as of December 31, 2011, resulting in a positive change of 29.64%.This indicates that the balance sheet and financial strength for H & H Credit Union has improved slightly in recent periods. Deposit Growth In the past year, H & H Credit Union has increased its total deposits by $751,000, resulting in 1.75% 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 H & H 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. H & H Credit Union has $51.76 million in assets with $7.92 million in equity, resulting in a capitalization level of 15.29%, which is excellent.

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