Healthone Credit Union

4567 E 9th Ave
Denver, CO 80220
303-320-2244
www.healthonefcu.org

OverView
Rates
Health
Reviews

Healthone Credit Union is headquartered in DENVER and is the 69^th largest credit union in the state of Colorado. It is also the 4,646^th largest credit union in the nation. It was established in 1970 and as of December of 2011, it had grown to 5 employees and 1,837 members. Healthone Credit Union has a 3-star health rating.

Report an Issue

See Rates for: Savings | Money Market | CD | IRA

Healthone Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	Regular Share Account
0.10%	-	-	IRA Share Account
0.10%	-	-	Holiday Club
0.10%	-	-	Roth IRA Share Account
0.10%	-	-	Coverdell Education Savings Account

Healthone Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$100k	-	Money Market Account

Healthone Credit Union CD Rates

Apy	Min	Max	Product
1.75%	$500	-	60 Month Share Certificate
1.34%	$500	-	48 Month Share Certificate
1.00%	$500	-	36 Month Share Certificate
0.70%	$500	-	24 Month Share Certificate
0.50%	$500	-	12 Month Share Certificate
0.40%	$500	-	6 Month Share Certificate

Healthone Credit Union IRA Rates

Apy	Min	Max	Product
2.00%	$500	-	60 Month IRA CD
2.00%	$500	-	60 Month Roth IRA CD
2.00%	$500	-	60 Month Coverdell ESA CD
1.50%	$500	-	48 Month IRA CD
1.50%	$500	-	48 Month Roth IRA CD
1.50%	$500	-	48 Month Coverdell ESA CD
1.10%	$500	-	36 Month IRA CD
1.10%	$500	-	36 Month Roth IRA CD
1.10%	$500	-	36 Month Coverdell ESA CD
0.70%	$500	-	24 Month IRA CD
0.70%	$500	-	24 Month Roth IRA CD
0.70%	$500	-	24 Month Coverdell ESA CD
0.55%	$500	-	12 Month IRA CD
0.55%	$500	-	12 Month Roth IRA CD
0.55%	$500	-	12 Month Coverdell ESA CD
0.45%	$500	-	6 Month IRA CD
0.45%	$500	-	6 Month Roth IRA CD
0.45%	$500	-	6 Month Coverdell ESA CD

Rates updated: 5/26/2012

Data for Q4 2011

Institution Statistics

HEALTHONE
NCUA #	19933
BankRate Report	View
Year Chartered	1970
Employees	5
Primary Regulator
Assets and Liabilities
Assets	$9.82 million
Loans	$6.12 million
Deposits	$8.52 million
Equity Capital	$1.23 million
Loan Loss Allowance	$80,000
Unbacked Noncurrent Loans	$476,000
Historic Data - December 2010
Assets	$9.77 million
Equity Capital	$1.17 million
Loan Loss Allowance	$88,000
Unbacked Noncurrent Loans	$248,000
Profit Margin - Quarterly
Net Interest Margin	6.13%
Return on Assets	0.54%
Return on Equity	4.32%
Interest Income	$428,000
Non-Interest Income	$219,000

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 Healthone Credit Union had $476,000 in non-current loans and owned real-estate with $1.31 million in equity and loan loss allowances on hand to cover it. This gives Healthone Credit Union a Texas Ratio of 36.42% 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 Healthone Credit Union increased slightly from 19.68% as of December 31, 2010 to 36.42% as of December 31, 2011, resulting in a negative change of 85.03%. This indicates that the balance sheet and financial strength for Healthone Credit Union has declined slightly in recent periods.
Deposit Growth
In the past year, Healthone Credit Union has increased its total deposits by $4,000, resulting in 0.05% 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 Healthone Credit Union has shown is 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. Healthone Credit Union has $9.82 million in assets with $1.31 million in equity, resulting in a capitalization level of 13.31%, which is excellent.

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