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Overview / Commentary
1635 E 11th St
Tulsa, OK 74120

Hillcrest Credit Union is headquartered in Tulsa and is the 47th largest credit union in the state of Oklahoma. It is also the 3,956th largest credit union in the nation. It was established in 1951 and as of March of 2014, it had grown to 3 employees and 1,872 members. Hillcrest Credit Union has a B health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Hillcrest Credit Union has a low asset base.

Texas Ratio


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 Hillcrest Credit Union had $80,000 in non-current loans and owned real-estate with $2.23 million in equity and loan loss allowances on hand to cover it. This gives Hillcrest Credit Union a Texas Ratio of 3.59% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Hillcrest Credit Union experienced no significant changes from 3.36% as of March 31, 2013 to 3.59% as of March 31, 2014, resulting in a negative change of 6.66%. This indicates that the balance sheet and financial strength for Hillcrest Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Hillcrest Credit Union has decreased its total deposits by $-39,000, resulting in -0.31% 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 Hillcrest Credit Union has shown is 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. Hillcrest Credit Union has $14.83 million in assets with $2.23 million in equity, resulting in a capitalization level of 15.04%, which is excellent.

Institution Statistics

NCUA #7162
Year Chartered1951
Primary Regulator
Assets and Liabilities
Assets$14.83 million
Loans$6.30 million
Deposits$12.59 million
Equity Capital$2.22 million
Loan Loss Allowance$10,000
Unbacked Noncurrent Loans$80,000
Real Estate Owned$0
Historic Data - March 2013
Assets$14.96 million
Equity Capital$2.31 million
Loan Loss Allowance$11,000
Unbacked Noncurrent Loans$80,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.24%
Return on Equity1.62%
Interest Income$115,000

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Hillcrest Credit Union Locations
Branch Office1635 E 11th StTulsa, OK 74120