Hallco Community Credit Union

Hallco Community Credit Union is headquartered in GAINESVILLE and is the 42^nd largest credit union in the state of Georgia. It is also the 2,343^rd largest credit union in the nation. It was established in 1971 and as of December of 2011, it had grown to 25 employees and 10,149 members. Hallco Community Credit Union has a 5-star health rating.

Hallco Community Credit Union Routing Number: 261174775

Hallco Community Credit Union Checking Account Rates

Hallco Community Credit Union Savings Account Rates

Hallco Community Credit Union Money Market Rates

Data for Q4 2011

Institution Statistics HALLCO COMMUNITY NCUA # 68602 BankRate Report View Year Chartered 1971 Employees 25 Primary Regulator Assets and Liabilities Assets $46.13 million Loans $29.19 million Deposits $41.89 million Equity Capital $3.64 million Loan Loss Allowance $136,000 Unbacked Noncurrent Loans $245,000 Historic Data - December 2010 Assets $44.14 million Equity Capital $3.48 million Loan Loss Allowance $200,000 Unbacked Noncurrent Loans $510,000 Profit Margin - Quarterly Net Interest Margin 5.78% Return on Assets 0.34% Return on Equity 4.34% Interest Income $1.87 million Non-Interest Income $1.04 million

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 Hallco Community Credit Union had $245,000 in non-current loans and owned real-estate with $3.77 million in equity and loan loss allowances on hand to cover it. This gives Hallco Community Credit Union a Texas Ratio of 6.49% 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 Hallco Community Credit Union decreased significantly from 13.87% as of December 31, 2010 to 6.49% as of December 31, 2011, resulting in a positive change of 53.18%.This indicates that the balance sheet and financial strength for Hallco Community Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Hallco Community Credit Union has increased its total deposits by $1.57 million, resulting in 3.9% 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 Hallco Community 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. Hallco Community Credit Union has $46.13 million in assets with $3.77 million in equity, resulting in a capitalization level of 8.18%, which is average.

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