Hospital System Credit Union

Hospital System Credit Union is headquartered in Pascagoula and is the 21^st largest credit union in the state of Mississippi. It is also the 3,255^th largest credit union in the nation. It was established in 1972 and as of December of 2011, it had grown to 10 employees and 4,753 members. Hospital System Credit Union's savings rates are 4X the national average, and it has a 4-star health rating.

Hospital System Credit Union Routing Number: 265377976

Hospital System Credit Union Checking Account Rates

Hospital System Credit Union Savings Account Rates

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Hospital System Credit Union IRA Rates

Data for Q4 2011

Institution Statistics HOSPITAL SYSTEM NCUA # 61356 BankRate Report View Year Chartered 1972 Employees 10 Primary Regulator Assets and Liabilities Assets $24.28 million Loans $14.68 million Deposits $21.03 million Equity Capital $3.12 million Loan Loss Allowance $166,000 Unbacked Noncurrent Loans $197,000 Real Estate Owned $140,000 Historic Data - December 2010 Assets $23.88 million Equity Capital $3.03 million Loan Loss Allowance $133,000 Unbacked Noncurrent Loans $142,000 Profit Margin - Quarterly Net Interest Margin 5.31% Return on Assets 0.37% Return on Equity 2.91% Interest Income $992,000 Non-Interest Income $467,000

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 Hospital System Credit Union had $337,000 in non-current loans and owned real-estate with $3.29 million in equity and loan loss allowances on hand to cover it. This gives Hospital System Credit Union a Texas Ratio of 10.25% 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 Hospital System Credit Union increased slightly from 4.49% as of December 31, 2010 to 10.25% as of December 31, 2011, resulting in a negative change of 128.30%. This indicates that the balance sheet and financial strength for Hospital System Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Hospital System Credit Union has increased its total deposits by $312,000, resulting in 1.51% 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 Hospital System 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. Hospital System Credit Union has $24.28 million in assets with $3.29 million in equity, resulting in a capitalization level of 13.55%, which is excellent.

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