Hoosier Hills Credit Union

Hoosier Hills Credit Union is headquartered in Bedford and is the 17^st largest credit union in the state of Indiana. It is also the 529^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 109 employees and 24,171 members. Hoosier Hills Credit Union has a 4-star health rating.

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Data for Q4 2011

Institution Statistics HOOSIER HILLS NCUA # 60768 BankRate Report View Year Chartered 1934 Employees 109 Primary Regulator Assets and Liabilities Assets $365.14 million Loans $286.81 million Deposits $277.30 million Equity Capital $33.82 million Loan Loss Allowance $6.51 million Unbacked Noncurrent Loans $8.25 million Real Estate Owned $324,000 Historic Data - December 2010 Assets $346.20 million Equity Capital $31.70 million Loan Loss Allowance $5.21 million Unbacked Noncurrent Loans $5.24 million Real Estate Owned $272,000 Profit Margin - Quarterly Net Interest Margin 4.84% Return on Assets 0.58% Return on Equity 6.27% Interest Income $16.27 million Non-Interest Income $4.32 million

Institution Health Overall Score: 4 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 Hoosier Hills Credit Union had $8.58 million in non-current loans and owned real-estate with $40.33 million in equity and loan loss allowances on hand to cover it. This gives Hoosier Hills Credit Union a Texas Ratio of 21.27% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hoosier Hills Credit Union increased slightly from 14.94% as of December 31, 2010 to 21.27% as of December 31, 2011, resulting in a negative change of 42.36%. This indicates that the balance sheet and financial strength for Hoosier Hills Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Hoosier Hills Credit Union has increased its total deposits by $18.43 million, resulting in 7.12% 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 Hoosier Hills 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. Hoosier Hills Credit Union has $365.14 million in assets with $40.33 million in equity, resulting in a capitalization level of 11.04%, which is above average.

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