Health One Credit Union

Health One Credit Union is headquartered in Detroit and is the 224^th largest credit union in the state of Michigan. It is also the 3,783^rd largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 13 employees and 6,832 members. Health One Credit Union's CD rates are 33% higher than the national average, and it has a 3-star health rating.

Health One Credit Union Routing Number: 272077984

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Data for Q4 2011

Institution Statistics HEALTH ONE NCUA # 63106 BankRate Report View Year Chartered 1957 Employees 13 Primary Regulator Assets and Liabilities Assets $17.33 million Loans $10.76 million Deposits $14.49 million Equity Capital $2.39 million Loan Loss Allowance $95,000 Unbacked Noncurrent Loans $50,000 Real Estate Owned $739,000 Historic Data - December 2010 Assets $15.84 million Equity Capital $2.28 million Loan Loss Allowance $82,000 Unbacked Noncurrent Loans $56,000 Real Estate Owned $554,000 Profit Margin - Quarterly Net Interest Margin 7.96% Return on Assets 0.32% Return on Equity 2.31% Interest Income $879,000 Non-Interest Income $928,000

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 One Credit Union had $789,000 in non-current loans and owned real-estate with $2.48 million in equity and loan loss allowances on hand to cover it. This gives Health One Credit Union a Texas Ratio of 31.81% 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 Health One Credit Union increased slightly from 25.81% as of December 31, 2010 to 31.81% as of December 31, 2011, resulting in a negative change of 23.24%. This indicates that the balance sheet and financial strength for Health One Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Health One Credit Union has increased its total deposits by $1.94 million, resulting in 15.51% 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 One 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 One Credit Union has $17.33 million in assets with $2.48 million in equity, resulting in a capitalization level of 14.31%, which is excellent.

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