Health Care Family Credit Union

Health Care Family Credit Union is headquartered in Saint Louis and is the 38^th largest credit union in the state of Missouri. It is also the 2,250^th largest credit union in the nation. It was established in 1969 and as of March of 2013, it had grown to 18 employees and 7,177 members. Health Care Family Credit Union has a 5-star health rating.

Related Posts

Health Care Family Credit Union Checking Account Rates

Health Care Family Credit Union Savings Account Rates

Health Care Family Credit Union Money Market Rates

Health Care Family Credit Union CD Rates

Health Care Family Credit Union IRA Rates

Data for Q1 2013

Institution Statistics HEALTH CARE FAMILY NCUA # 63249 BankRate Report View Year Chartered 1969 Employees 18 Primary Regulator Assets and Liabilities Assets $51.82 million Loans $33.55 million Deposits $45.57 million Equity Capital $5.74 million Loan Loss Allowance $189,000 Unbacked Noncurrent Loans $154,000 Historic Data - March 2012 Assets $45.45 million Equity Capital $5.30 million Loan Loss Allowance $110,000 Unbacked Noncurrent Loans $107,000 Real Estate Owned $69,000 Profit Margin - Quarterly Net Interest Margin 1.12% Return on Assets 0.79% Return on Equity 7.11% Interest Income $478,000 Non-Interest Income $271,000

Institution Health Overall Score: 5 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 March 31, 2013 Health Care Family Credit Union had $154,000 in non-current loans and owned real-estate with $5.93 million in equity and loan loss allowances on hand to cover it. This gives Health Care Family Credit Union a Texas Ratio of 2.60% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Health Care Family Credit Union decreased slightly from 3.25% as of March 31, 2012 to 2.60% as of March 31, 2013, resulting in a positive change of 20.16%.This indicates that the balance sheet and financial strength for Health Care Family Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Health Care Family Credit Union has increased its total deposits by $5.84 million, resulting in 14.7% 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 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. Health Care Family Credit Union has $51.82 million in assets with $5.93 million in equity, resulting in a capitalization level of 11.44%, which is above average.

No reviews have been left for this bank yet. Be the first to review.