Hardin Community Credit Union

Hardin Community Credit Union is headquartered in Kenton and is the 70^th largest credit union in the state of Ohio. It is also the 1,742^nd largest credit union in the nation. It was established in 1969 and as of December of 2011, it had grown to 25 employees and 11,538 members. Hardin Community Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics QUEST NCUA # 19508 BankRate Report View Year Chartered 1969 Employees 25 Primary Regulator Assets and Liabilities Assets $74.80 million Loans $38.58 million Deposits $67.05 million Equity Capital $6.81 million Loan Loss Allowance $276,000 Unbacked Noncurrent Loans $625,000 Real Estate Owned $36,000 Historic Data - December 2010 Assets $66.97 million Equity Capital $6.68 million Loan Loss Allowance $247,000 Unbacked Noncurrent Loans $707,000 Real Estate Owned $59,000 Profit Margin - Quarterly Net Interest Margin 5.83% Return on Assets 0.18% Return on Equity 1.92% Interest Income $2.89 million Non-Interest Income $1.18 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, 2011 Hardin Community Credit Union had $661,000 in non-current loans and owned real-estate with $7.08 million in equity and loan loss allowances on hand to cover it. This gives Hardin Community Credit Union a Texas Ratio of 9.33% 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 Hardin Community Credit Union decreased slightly from 11.06% as of December 31, 2010 to 9.33% as of December 31, 2011, resulting in a positive change of 15.66%.This indicates that the balance sheet and financial strength for Hardin Community Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Hardin Community Credit Union has increased its total deposits by $7.47 million, resulting in 12.54% 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 Hardin Community 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. Hardin Community Credit Union has $74.8 million in assets with $7.08 million in equity, resulting in a capitalization level of 9.47%, which is average.

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