Indiana Heartland Credit Union

Indiana Heartland Credit Union is headquartered in kokomo and is the 143^rd largest credit union in the state of Indiana. It is also the 5,296^th largest credit union in the nation. It was established in 1972 and as of December of 2011, it had grown to 5 employees and 1,960 members. Indiana Heartland Credit Union has a 4-star health rating.

Indiana Heartland Credit Union Savings Account Rates

Indiana Heartland Credit Union CD Rates

Data for Q4 2011

Institution Statistics INDIANA HEARTLAND NCUA # 24108 BankRate Report View Year Chartered 1972 Employees 5 Primary Regulator Assets and Liabilities Assets $6.12 million Loans $5.14 million Deposits $5.51 million Equity Capital $600,000 Loan Loss Allowance $102,000 Unbacked Noncurrent Loans $256,000 Historic Data - December 2010 Assets $5.19 million Equity Capital $510,000 Loan Loss Allowance $115,000 Unbacked Noncurrent Loans $302,000 Profit Margin - Quarterly Net Interest Margin 5.69% Return on Assets 1.47% Return on Equity 15% Interest Income $347,000 Non-Interest Income $294,000

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 Indiana Heartland Credit Union had $256,000 in non-current loans and owned real-estate with $702,000 in equity and loan loss allowances on hand to cover it. This gives Indiana Heartland Credit Union a Texas Ratio of 36.47% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Indiana Heartland Credit Union decreased slightly from 48.32% as of December 31, 2010 to 36.47% as of December 31, 2011, resulting in a positive change of 24.53%.This indicates that the balance sheet and financial strength for Indiana Heartland Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Indiana Heartland Credit Union has increased its total deposits by $893,000, resulting in 19.34% 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 Indiana Heartland 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. Indiana Heartland Credit Union has $6.12 million in assets with $702,000 in equity, resulting in a capitalization level of 11.48%, which is above average.

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