Health Care Employees Credit Union

Health Care Employees Credit Union is headquartered in Kansas City and is the 79^th largest credit union in the state of Kansas. It is also the 6,079^th largest credit union in the nation. It was established in 1966 and as of December of 2011, it had grown to 2 employees and 978 members. Health Care Employees Credit Union has a 3-star health rating.

Health Care Employees Credit Union Routing Number: 301078760

Health Care Employees Credit Union Savings Account Rates

Health Care Employees Credit Union CD Rates

Data for Q4 2011

Institution Statistics HEALTH CARE EMPLOYEES NCUA # 65220 BankRate Report View Year Chartered 1966 Employees 2 Primary Regulator Assets and Liabilities Assets $2.84 million Loans $1.53 million Deposits $2.39 million Equity Capital $446,000 Loan Loss Allowance $20,000 Unbacked Noncurrent Loans $115,000 Historic Data - December 2010 Assets $2.93 million Equity Capital $455,000 Loan Loss Allowance $22,000 Unbacked Noncurrent Loans $59,000 Profit Margin - Quarterly Net Interest Margin 8.56% Return on Assets -0.21% Return on Equity -1.35% Interest Income $139,000 Non-Interest Income $18,000

Institution Health Overall Score: 3 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 Health Care Employees Credit Union had $115,000 in non-current loans and owned real-estate with $466,000 in equity and loan loss allowances on hand to cover it. This gives Health Care Employees Credit Union a Texas Ratio of 24.68% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Health Care Employees Credit Union increased slightly from 12.37% as of December 31, 2010 to 24.68% as of December 31, 2011, resulting in a negative change of 99.52%. This indicates that the balance sheet and financial strength for Health Care Employees Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Health Care Employees Credit Union has decreased its total deposits by $-82,000, resulting in -3.32% 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 Health Care Employees Credit Union has shown is below 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. Health Care Employees Credit Union has $2.84 million in assets with $466,000 in equity, resulting in a capitalization level of 16.40%, which is excellent.

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