Healthcare Associates Credit Union

Healthcare Associates Credit Union is headquartered in Naperville and is the 25^th largest credit union in the state of Illinois. It is also the 768^th largest credit union in the nation. It was established in 1979 and as of December of 2011, it had grown to 62 employees and 35,821 members. Healthcare Associates Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics HEALTHCARE ASSOCIATES NCUA # 65421 BankRate Report View Year Chartered 1979 Employees 62 Primary Regulator Assets and Liabilities Assets $236.88 million Loans $160.80 million Deposits $204.68 million Equity Capital $30.77 million Loan Loss Allowance $2.36 million Unbacked Noncurrent Loans $1.83 million Real Estate Owned $90,000 Historic Data - December 2010 Assets $228.77 million Equity Capital $29.36 million Loan Loss Allowance $2.11 million Unbacked Noncurrent Loans $2.16 million Real Estate Owned $67,000 Profit Margin - Quarterly Net Interest Margin 5.36% Return on Assets 0.59% Return on Equity 4.58% Interest Income $10.12 million Non-Interest Income $4.47 million

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 December 31, 2011 Healthcare Associates Credit Union had $1.92 million in non-current loans and owned real-estate with $33.13 million in equity and loan loss allowances on hand to cover it. This gives Healthcare Associates Credit Union a Texas Ratio of 5.80% 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 Healthcare Associates Credit Union decreased slightly from 7.08% as of December 31, 2010 to 5.80% as of December 31, 2011, resulting in a positive change of 18.04%.This indicates that the balance sheet and financial strength for Healthcare Associates Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Healthcare Associates Credit Union has increased its total deposits by $6.54 million, resulting in 3.3% 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 Healthcare Associates Credit Union has shown is above 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. Healthcare Associates Credit Union has $236.88 million in assets with $33.13 million in equity, resulting in a capitalization level of 13.98%, which is excellent.

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