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Overview / Commentary
314-645-5851
2114 S Big Bend Blvd
Saint Louis, MO 63117-2406

Health Care Family Credit Union is headquartered in Saint Louis and is the 38th largest credit union in the state of Missouri. It is also the 2,246th largest credit union in the nation. It was established in 1969 and as of March of 2014, it had grown to 17 employees and 6,855 members. Health Care Family Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live or work in zip codes 63117 or 63143 or be an employee of one of the several Select Employee Groups. Also open to those who work at a health care facility located in select zip codes. - See Details

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Health

Data for Q1 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Health Care Family Credit Union has a relatively low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Health Care Family Credit Union had $118,000 in non-current loans and owned real-estate with $6.27 million in equity and loan loss allowances on hand to cover it. This gives Health Care Family Credit Union a Texas Ratio of 1.88% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Health Care Family Credit Union decreased slightly from 2.60% as of March 31, 2013 to 1.88% as of March 31, 2014, resulting in a positive change of 27.51%.This indicates that the balance sheet and financial strength for Health Care Family Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
C+

In the past year, Health Care Family Credit Union has decreased its total deposits by $-42,000, resulting in -0.09% 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 Family Credit Union has shown is average.

Capitalization

GRADE:
A

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 Family Credit Union has $52.29 million in assets with $6.27 million in equity, resulting in a capitalization level of 11.99%, which is excellent.

Institution Statistics

Overall
NCUA #63249
Year Chartered1969
Employees17
Primary Regulator
Assets and Liabilities
Assets$52.29 million
Loans$36.42 million
Deposits$45.53 million
Equity Capital$6.05 million
Loan Loss Allowance$222,000
Unbacked Noncurrent Loans$118,000
Real Estate Owned$0
Historic Data - March 2013
Assets$51.82 million
Equity Capital$5.74 million
Loan Loss Allowance$189,000
Unbacked Noncurrent Loans$118,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.14%
Return on Assets0.61%
Return on Equity5.29%
Interest Income$508,000
Rates

Always verify rates and promotions with the bank or credit union. We are not Health Care Family Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Health Care Family Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.25%--IRA Share
0.15%--Share Savings
0.15%--Christmas Club

Health Care Family Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.37%$100k-Money Market

Health Care Family Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$750-Gold Checking Account

Health Care Family Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.45%$1k-60 Month CD
0.95%$1k-36 Month CD
0.70%$1k-24 Month CD
0.50%--60 Month Payroll Deduction CD
0.45%$1k-12 Month CD
0.40%--36 Month Payroll Deduction CD
0.30%$1k-6 Month CD
0.25%--24 Month Payroll Deduction CD

Health Care Family Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.45%$1k-60 Month IRA
0.95%$1k-36 Month IRA
0.70%$1k-24 Month IRA
0.45%$1k-12 Month IRA
0.30%$1k-6 Month IRA
Locations


Health Care Family Credit Union Locations
Branch Office4599 Executive Centre PkwySaint Peters, MO 63376-1686
Branch Office2114 S Big Bend BlvdSaint Louis, MO 63117-2406