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Overview / Commentary
570-622-3399
60 Westwood Rd
Pottsville, PA 17901-1834

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.

Field of Membership Restrictions

Must be an employee of the Schuylkill Haven Area School District or several other schools, health care facilities or select employee groups. - See Details

Reviews (1)

They Literally Have A Direct Line To Heaven...

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!



Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

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.

Texas Ratio Trend

GRADE:
C+

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.

Deposit Growth

GRADE:
B+

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.

Capitalization

GRADE:
B+

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.

Institution Statistics

Overall
NCUA #64932
Year Chartered1953
Employees21
Primary Regulator
Assets and Liabilities
Assets$112.54 million
Loans$37.04 million
Deposits$100.07 million
Equity Capital$11.90 million
Loan Loss Allowance$286,000
Unbacked Noncurrent Loans$138,000
Real Estate Owned$53,000
Historic Data - March 2013
Assets$110.19 million
Equity Capital$11.91 million
Loan Loss Allowance$316,000
Unbacked Noncurrent Loans$138,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin1.13%
Return on Assets-0.34%
Return on Equity-3.23%
Interest Income$615,000
Rates
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Hidden River Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.45%--IRA Savings
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
0.10%$5k-Regular Savings

Hidden River Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.07%--Share Draft Checking

Hidden River Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
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

Hidden River Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
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
Locations


Hidden River Credit Union Locations
Branch Office60 Westwood RdPottsville, PA 17901-1834
Branch Office629 W Market StOrwigsburg, PA 17961-1721