Healthcare Employees Credit Union

Healthcare Employees Credit Union is headquartered in Princeton and is the 31^st largest credit union in the state of New Jersey. It is also the 1,585^th largest credit union in the nation. It was established in 1984 and as of December of 2011, it had grown to 20 employees and 19,536 members. Healthcare Employees Credit Union has a 3-star health rating.

Healthcare Employees Credit Union Checking Account Rates

Healthcare Employees Credit Union Savings Account Rates

Healthcare Employees Credit Union Money Market Rates

Data for Q4 2011

Institution Statistics HEALTHCARE EMPLOYEES NCUA # 24150 BankRate Report View Year Chartered 1984 Employees 20 Primary Regulator Assets and Liabilities Assets $84.29 million Loans $40.26 million Deposits $76.45 million Equity Capital $7.57 million Loan Loss Allowance $229,000 Unbacked Noncurrent Loans $1.99 million Historic Data - December 2010 Assets $78.91 million Equity Capital $7.94 million Loan Loss Allowance $145,000 Unbacked Noncurrent Loans $644,000 Profit Margin - Quarterly Net Interest Margin 4.9% Return on Assets -0.39% Return on Equity -4.33% Interest Income $2.60 million Non-Interest Income $902,000

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 Healthcare Employees Credit Union had $1.99 million in non-current loans and owned real-estate with $7.8 million in equity and loan loss allowances on hand to cover it. This gives Healthcare Employees Credit Union a Texas Ratio of 25.53% 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 Healthcare Employees Credit Union increased slightly from 7.97% as of December 31, 2010 to 25.53% as of December 31, 2011, resulting in a negative change of 220.50%. This indicates that the balance sheet and financial strength for Healthcare Employees Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Healthcare Employees Credit Union has increased its total deposits by $5.76 million, resulting in 8.15% 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 Employees 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. Healthcare Employees Credit Union has $84.29 million in assets with $7.8 million in equity, resulting in a capitalization level of 9.26%, which is average.

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