Hidden River Credit Union is headquartered in Pottsville and is the 52nd largest credit union in the state of Pennsylvania. It is also the 1,400th largest credit union in the nation. It was established in 1953 and as of March of 2014, it had grown to 21 employees and 11,722 members. Hidden River Credit Union has a A health rating.
Must be an employee of the Schuylkill Haven Area School District or several other schools, health care facilities or select employee groups. - See Details
I did some banking with this outfit and.... well.... let me just say... This is LITERALLY the premier place to handle all of your finances. I was greeted by the nicest teller who welcomed me with a smile and a friendly voice. She was like an angel sent from Heaven to help me and only me with my transaction. She was so polite and friendly, at one point, I started to daydream about the two of us holding hands and spinning in circles in a field of flowers. The service was great and it's almost as if they literally have a direct line to Heaven! I would recommend this to everyone!
The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Hidden River Credit Union had $191,000 in non-current loans and owned real-estate with $12.18 million in equity and loan loss allowances on hand to cover it. This gives Hidden River Credit Union a Texas Ratio of 1.57% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Hidden River Credit Union experienced no significant changes from 1.40% as of March 31, 2013 to 1.57% as of March 31, 2014, resulting in a negative change of 12.11%. This indicates that the balance sheet and financial strength for Hidden River Credit Union has had no significant changes in recent periods.
In the past year, Hidden River Credit Union has increased its total deposits by $2.13 million, resulting in 2.17% 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 Hidden River Credit Union has shown is above average.
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. Hidden River Credit Union has $112.54 million in assets with $12.18 million in equity, resulting in a capitalization level of 10.83%, which is above average.
|Assets and Liabilities|
|Equity Capital||$11.90 million|
|Loan Loss Allowance||$286,000|
|Unbacked Noncurrent Loans||$138,000|
|Real Estate Owned||$53,000|
|Historic Data - March 2013|
|Equity Capital||$11.91 million|
|Loan Loss Allowance||$316,000|
|Unbacked Noncurrent Loans||$138,000|
|Real Estate Owned||$0|
|Profit Margin - Quarterly|
|Net Interest Margin||1.13%|
|Return on Assets||-0.34%|
|Return on Equity||-3.23%|
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|0.45%||-||-||Coverdell IRA Savings|
|0.45%||-||-||Roth IRA Savings|
|0.10%||-||-||Christmas Club Account|
|0.10%||-||-||Vacation Club Account|
|0.10%||-||-||Tax Club Account|
|0.07%||-||-||Share Draft Checking|
|1.46%||$75k||-||5 Year CD|
|1.15%||$75k||-||4 Year CD|
|1.05%||$75k||-||3 Year CD|
|0.65%||$75k||-||2 Year CD|
|0.55%||$75k||-||1 Year CD|
|0.55%||$75k||-||18 Month CD|
|0.35%||$75k||-||6 Month CD|
|0.30%||$75k||-||3 Month CD|
|1.46%||$75k||-||5 Year IRA Certificate|
|1.15%||$75k||-||4 Year IRA Certificate|
|1.05%||$75k||-||3 Year IRA Certificate|
|0.65%||$75k||-||2 Year IRA Certificate|
|0.55%||$75k||-||1 Year IRA Certificate|
|0.55%||$75k||-||18 Month IRA Certificate|
|0.35%||$75k||-||6 Month IRA Certificate|
|0.30%||$75k||-||3 Month IRA Certificate|
|Hidden River Credit Union Locations|
|Branch Office||60 Westwood Rd||Pottsville, PA 17901-1834|
|Branch Office||629 W Market St||Orwigsburg, PA 17961-1721|