Hud Credit Union

Hud Credit Union is headquartered in Washington and is the 18^st largest credit union in the state of District of Columbia. It is also the 2,238^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 15 employees and 5,521 members. Hud Credit Union's CD rates are 12% higher than the national average, and it has a 4-star health rating.

Hud Credit Union Checking Account Rates

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Hud Credit Union CD Rates

Hud Credit Union IRA Rates

Data for Q4 2011

Institution Statistics HUD NCUA # 4037 BankRate Report View Year Chartered 1940 Employees 15 Primary Regulator Assets and Liabilities Assets $49.94 million Loans $21.92 million Deposits $44.60 million Equity Capital $5.15 million Loan Loss Allowance $287,000 Unbacked Noncurrent Loans $688,000 Historic Data - December 2010 Assets $47.30 million Equity Capital $5.31 million Loan Loss Allowance $243,000 Unbacked Noncurrent Loans $761,000 Profit Margin - Quarterly Net Interest Margin 6.8% Return on Assets -0.85% Return on Equity -8.25% Interest Income $2.07 million Non-Interest Income $664,000

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 Hud Credit Union had $688,000 in non-current loans and owned real-estate with $5.44 million in equity and loan loss allowances on hand to cover it. This gives Hud Credit Union a Texas Ratio of 12.65% 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 Hud Credit Union held steady from 13.71% as of December 31, 2010 to 12.65% as of December 31, 2011, resulting in a positive change of 7.70%.This indicates that the balance sheet and financial strength for Hud Credit Union has held steady in recent periods. Deposit Growth In the past year, Hud Credit Union has increased its total deposits by $2.83 million, resulting in 6.77% 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 Hud 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. Hud Credit Union has $49.94 million in assets with $5.44 million in equity, resulting in a capitalization level of 10.89%, which is above average.

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