Har Co Maryland Credit Union

Har Co Maryland Credit Union is headquartered in Bel Air and is the 27^th largest credit union in the state of Maryland. It is also the 939^th largest credit union in the nation. It was established in 1955 and as of December of 2012, it had grown to 57 employees and 19,099 members. Har Co Maryland Credit Union has a 4-star health rating.

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Data for Q4 2012

Institution Statistics HAR CO MARYLAND NCUA # 10374 BankRate Report View Year Chartered 1955 Employees 57 Primary Regulator Assets and Liabilities Assets $187.34 million Loans $123.95 million Deposits $170.03 million Equity Capital $16.09 million Loan Loss Allowance $608,000 Unbacked Noncurrent Loans $1.69 million Real Estate Owned $214,000 Historic Data - December 2011 Assets $187.95 million Equity Capital $15.99 million Loan Loss Allowance $666,000 Unbacked Noncurrent Loans $1.24 million Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 0.05% Return on Equity 0.63% Interest Income $6.34 million Non-Interest Income $2.15 million

Institution Health Overall Score: 4 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 Har Co Maryland Credit Union had $1.9 million in non-current loans and owned real-estate with $16.7 million in equity and loan loss allowances on hand to cover it. This gives Har Co Maryland Credit Union a Texas Ratio of 11.37% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Har Co Maryland Credit Union held steady from 7.45% as of December 31, 2011 to 11.37% as of December 31, 2012, resulting in a negative change of 52.76%. This indicates that the balance sheet and financial strength for Har Co Maryland Credit Union has held steady in recent periods. Deposit Growth In the past year, Har Co Maryland Credit Union has decreased its total deposits by $-731,000, resulting in -0.43% 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 Har Co Maryland Credit Union has shown is 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. Har Co Maryland Credit Union has $187.34 million in assets with $16.7 million in equity, resulting in a capitalization level of 8.91%, which is average.

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