Hanscom Credit Union

Hanscom Credit Union is headquartered in Hanscom AFB and is the 6^th largest credit union in the state of Massachusetts. It is also the 194^th largest credit union in the nation. It was established in 1953 and as of December of 2011, it had grown to 141 employees and 45,841 members. Hanscom Credit Union's savings rates are 6X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics HANSCOM NCUA # 9095 BankRate Report View Year Chartered 1953 Employees 141 Primary Regulator Assets and Liabilities Assets $952.00 million Loans $577.95 million Deposits $836.87 million Equity Capital $84.94 million Loan Loss Allowance $8.03 million Unbacked Noncurrent Loans $7.18 million Historic Data - December 2010 Assets $854.11 million Equity Capital $78.43 million Loan Loss Allowance $7.84 million Unbacked Noncurrent Loans $3.91 million Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 0.63% Return on Equity 7.11% Interest Income $33.13 million Non-Interest Income $6.74 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 Hanscom Credit Union had $7.18 million in non-current loans and owned real-estate with $92.96 million in equity and loan loss allowances on hand to cover it. This gives Hanscom Credit Union a Texas Ratio of 7.73% 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 Hanscom Credit Union held steady from 4.53% as of December 31, 2010 to 7.73% as of December 31, 2011, resulting in a negative change of 70.55%. This indicates that the balance sheet and financial strength for Hanscom Credit Union has held steady in recent periods. Deposit Growth In the past year, Hanscom Credit Union has increased its total deposits by $89.71 million, resulting in 12.01% 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 Hanscom 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. Hanscom Credit Union has $952 million in assets with $92.96 million in equity, resulting in a capitalization level of 9.77%, which is average.

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