HEW Credit Union

HEW Credit Union is headquartered in Alexandria and is the 31^st largest credit union in the state of Virginia. It is also the 1,040^th largest credit union in the nation. It was established in 1936 and as of December of 2011, it had grown to 53 employees and 20,108 members. HEW Credit Union's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics HEW NCUA # 1407 BankRate Report View Year Chartered 1936 Employees 53 Primary Regulator Assets and Liabilities Assets $153.92 million Loans $69.21 million Deposits $135.40 million Equity Capital $16.07 million Loan Loss Allowance $2.68 million Unbacked Noncurrent Loans $2.08 million Historic Data - December 2010 Assets $146.92 million Equity Capital $15.52 million Loan Loss Allowance $2.79 million Unbacked Noncurrent Loans $3.72 million Profit Margin - Quarterly Net Interest Margin 7.36% Return on Assets 0.23% Return on Equity 2.21% Interest Income $7.12 million Non-Interest Income $3.44 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 HEW Credit Union had $2.08 million in non-current loans and owned real-estate with $18.75 million in equity and loan loss allowances on hand to cover it. This gives HEW Credit Union a Texas Ratio of 11.09% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for HEW Credit Union decreased significantly from 20.30% as of December 31, 2010 to 11.09% as of December 31, 2011, resulting in a positive change of 45.38%.This indicates that the balance sheet and financial strength for HEW Credit Union has improved significantly in recent periods. Deposit Growth In the past year, HEW Credit Union has increased its total deposits by $6.04 million, resulting in 4.67% 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 HEW 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. HEW Credit Union has $153.92 million in assets with $18.75 million in equity, resulting in a capitalization level of 12.18%, which is excellent.

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