Henderson State University Credit Union

Henderson State University Credit Union is headquartered in Arkadelphia and is the 34^th largest credit union in the state of Arkansas. It is also the 4,850^th largest credit union in the nation. It was established in 1970 and as of December of 2011, it had grown to 3 employees and 1,222 members. Henderson State University Credit Union's CD rates are 40% higher than the national average, and it has a 3-star health rating.

Henderson State University Credit Union Savings Account Rates

Henderson State University Credit Union CD Rates

Data for Q4 2011

Institution Statistics HENDERSON STATE UNIVERSITY NCUA # 20114 BankRate Report View Year Chartered 1970 Employees 3 Primary Regulator Assets and Liabilities Assets $8.46 million Loans $6.50 million Deposits $7.63 million Equity Capital $825,000 Loan Loss Allowance $73,000 Unbacked Noncurrent Loans $411,000 Historic Data - December 2010 Assets $7.53 million Equity Capital $715,000 Loan Loss Allowance $53,000 Unbacked Noncurrent Loans $285,000 Profit Margin - Quarterly Net Interest Margin 5.24% Return on Assets 1.29% Return on Equity 13.21% Interest Income $430,000 Non-Interest Income $21,000

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 Henderson State University Credit Union had $411,000 in non-current loans and owned real-estate with $898,000 in equity and loan loss allowances on hand to cover it. This gives Henderson State University Credit Union a Texas Ratio of 45.77% 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 Henderson State University Credit Union increased slightly from 37.11% as of December 31, 2010 to 45.77% as of December 31, 2011, resulting in a negative change of 23.33%. This indicates that the balance sheet and financial strength for Henderson State University Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Henderson State University Credit Union has increased its total deposits by $815,000, resulting in 11.96% 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 Henderson State University 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. Henderson State University Credit Union has $8.46 million in assets with $898,000 in equity, resulting in a capitalization level of 10.61%, which is above average.

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