H.P.C. Credit Union

H.P.C. Credit Union is headquartered in ALPENA and is the 78^th largest credit union in the state of Michigan. It is also the 1,312^st largest credit union in the nation. It was established in 1950 and as of December of 2011, it had grown to 13 employees and 8,430 members. H.P.C. Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.

H.P.C. Credit Union Routing Number: 272476462

H.P.C. Credit Union Checking Account Rates

H.P.C. Credit Union Savings Account Rates

H.P.C. Credit Union CD Rates

Data for Q4 2011

Institution Statistics H.P.C. NCUA # 62219 BankRate Report View Year Chartered 1950 Employees 13 Primary Regulator Assets and Liabilities Assets $112.94 million Loans $57.70 million Deposits $99.71 million Equity Capital $12.62 million Loan Loss Allowance $393,000 Unbacked Noncurrent Loans $1.19 million Real Estate Owned $136,000 Historic Data - December 2010 Assets $114.11 million Equity Capital $12.49 million Loan Loss Allowance $199,000 Unbacked Noncurrent Loans $945,000 Real Estate Owned $302,000 Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 0.06% Return on Equity 0.57% Interest Income $3.30 million Non-Interest Income $239,000

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 H.P.C. Credit Union had $1.32 million in non-current loans and owned real-estate with $13.01 million in equity and loan loss allowances on hand to cover it. This gives H.P.C. Credit Union a Texas Ratio of 10.17% 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 H.P.C. Credit Union held steady from 9.83% as of December 31, 2010 to 10.17% as of December 31, 2011, resulting in a negative change of 3.47%. This indicates that the balance sheet and financial strength for H.P.C. Credit Union has held steady in recent periods. Deposit Growth In the past year, H.P.C. Credit Union has decreased its total deposits by -$1.34 million, resulting in -1.33% 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 H.P.C. Credit Union has shown is below 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. H.P.C. Credit Union has $112.94 million in assets with $13.01 million in equity, resulting in a capitalization level of 11.52%, which is above average.

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