Healthcare's Cooperative Credit Union

Healthcare's Cooperative Credit Union is headquartered in JACKSONVILLE and is the 57^th largest credit union in the state of Florida. It is also the 1,364^th largest credit union in the nation. It was established in 1991 and as of December of 2011, it had grown to 37 employees and 15,383 members. Healthcare's Cooperative Credit Union's savings rates are 94% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics HEALTHCARE'S COOPERATIVE NCUA # 67316 BankRate Report View Year Chartered 1991 Employees 37 Primary Regulator Assets and Liabilities Assets $107.26 million Loans $46.91 million Deposits $86.83 million Equity Capital $18.75 million Loan Loss Allowance $293,000 Unbacked Noncurrent Loans $459,000 Historic Data - December 2010 Assets $110.78 million Equity Capital $18.55 million Loan Loss Allowance $315,000 Unbacked Noncurrent Loans $280,000 Profit Margin - Quarterly Net Interest Margin 5.47% Return on Assets 0.19% Return on Equity 1.1% Interest Income $3.35 million Non-Interest Income $1.95 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's Cooperative Credit Union had $459,000 in non-current loans and owned real-estate with $19.04 million in equity and loan loss allowances on hand to cover it. This gives Healthcare's Cooperative Credit Union a Texas Ratio of 2.41% 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's Cooperative Credit Union held steady from 1.48% as of December 31, 2010 to 2.41% as of December 31, 2011, resulting in a negative change of 62.43%. This indicates that the balance sheet and financial strength for Healthcare's Cooperative Credit Union has held steady in recent periods. Deposit Growth In the past year, Healthcare's Cooperative Credit Union has decreased its total deposits by -$3.66 million, resulting in -4.04% 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's Cooperative Credit Union has shown is below 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's Cooperative Credit Union has $107.26 million in assets with $19.04 million in equity, resulting in a capitalization level of 17.75%, which is excellent.

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