Hartford Municipal Employees Credit Union

Hartford Municipal Employees Credit Union is headquartered in HARTFORD and is the 39^th largest credit union in the state of Connecticut. It is also the 2,937^th largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 11 employees and 4,756 members. Hartford Municipal Employees Credit Union's savings rates are 44% higher than the national average, and it has a 4-star health rating.

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Hartford Municipal Employees Credit Union IRA Rates

Data for Q4 2011

Institution Statistics HARTFORD MUNICIPAL EMPLOYEES NCUA # 6733 BankRate Report View Year Chartered 1950 Employees 11 Primary Regulator Assets and Liabilities Assets $30.00 million Loans $24.99 million Deposits $27.50 million Equity Capital $2.45 million Loan Loss Allowance $706,000 Unbacked Noncurrent Loans $963,000 Historic Data - December 2010 Assets $27.09 million Equity Capital $2.13 million Loan Loss Allowance $561,000 Unbacked Noncurrent Loans $1.20 million Profit Margin - Quarterly Net Interest Margin 7.35% Return on Assets 1.05% Return on Equity 12.8% Interest Income $2.19 million Non-Interest Income $660,000

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 Hartford Municipal Employees Credit Union had $963,000 in non-current loans and owned real-estate with $3.16 million in equity and loan loss allowances on hand to cover it. This gives Hartford Municipal Employees Credit Union a Texas Ratio of 30.48% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hartford Municipal Employees Credit Union decreased slightly from 44.45% as of December 31, 2010 to 30.48% as of December 31, 2011, resulting in a positive change of 31.42%.This indicates that the balance sheet and financial strength for Hartford Municipal Employees Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Hartford Municipal Employees Credit Union has increased its total deposits by $2.59 million, resulting in 10.4% 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 Hartford Municipal Employees 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. Hartford Municipal Employees Credit Union has $30 million in assets with $3.16 million in equity, resulting in a capitalization level of 10.53%, which is above average.

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