NIH Federal Credit Union

NIH Federal Credit Union Locations
P.O. Box 6475
Rockville, MD 20849
1-800-877-6440
www.nihfcu.org

NIH Federal Credit Union is headquartered in Rockville and is the 9th largest credit union in the state of Maryland. It is also the 361st largest credit union in the nation. It was established in 1940 and as of September of 2011, it had grown to 118 employees and 44,089 members. NIH Federal Credit Union has a 4-star health rating.

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3.00% 7-Month CD at NIH Federal Credit Union in MD & DC - Limited Membership - 11/10/2009

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7.00% 7-Month CD at a Maryland CU - $7K Max (NIH). - 6/28/2007

NIH Federal Credit Union is offering a 7% APY 7-month certificate. The minimum deposit is $1,000, and the maximum is $7,000. The offer is only available from July 1 to July 7, 2007. The CD can be opened by mail.The $7K cap isn't too bad for these types...



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See Rates for: Savings | Money Market | CD | IRA

NIH Federal Credit Union Savings Account Rates

ApyMinMaxProduct
0.55%$25k-Premier IRA Savings Account
0.55%$25k-Premier Roth IRA Savings Account
0.25%$5k-Premium Share Account
0.25%$5k-Business Premium Share Account
0.10%$25-Regular Share Account
0.10%--Holiday Club Account
0.10%--You Name It
0.10%$25-Business Regular Share Account

NIH Federal Credit Union Money Market Rates

ApyMinMaxProduct
0.30%$25k-Premier Advantage Money Market
0.30%$25k-Business Premier Advantage Money Market

NIH Federal Credit Union CD Rates

ApyMinMaxProduct
0.75%$500-60 Month CD
0.60%$10k-15 Month Add-On CD
0.60%$10k-30 Month Bump-Up CD
0.60%$500-36 Month CD
0.55%$500$10k24 Month CD
0.50%$500-15 Month Bump-Up CD
0.50%$500-18 Month CD
0.40%$500-7 Month CD
0.40%$500$100k12 Month CD
0.40%$100k-12 Month Jumbo CD
0.25%$500-6 Month CD
0.10%$500-3 Month CD

NIH Federal Credit Union IRA Rates

ApyMinMaxProduct
0.85%$500-18 Month Traditional IRA
0.85%$500-36 Month Traditional IRA
0.85%$500-60 Month Traditional IRA
0.85%$500-18 Month Roth IRA
0.85%$500-36 Month Roth IRA
0.85%$500-60 Month Roth IRA
0.80%$10k-24 Month Traditional IRA
0.80%$10k-24 Month Roth IRA
0.75%$500-15 Month Add-On Traditional IRA
0.75%$10k-15 Month Bump-Up Traditional IRA
0.75%$500-30 Month Bump-Up Traditional IRA
0.75%$500-15 Month Add-On Roth IRA
0.75%$10k-15 Month Bump-Up Roth IRA
0.75%$500-30 Month Bump-Up Roth IRA
0.65%$500-7 Month Traditional IRA
0.65%$500$100k12 Month Traditional IRA
0.65%$500-7 Month Roth IRA
0.65%$500$100k12 Month Roth IRA
0.50%$500-6 Month Traditional IRA
0.50%$500-6 Month Roth IRA
0.35%$500-3 Month Traditional IRA
0.35%$500-3 Month Roth IRA

Rates updated: 2/11/2012

Data for Q3 2011


Institution Statistics


NATIONAL INSTITUTES OF HEALTH
NCUA #3601
BankRate ReportView
Year Established1940
Employees118
Primary Regulator

Assets and Liabilities

Assets$541.28 million
Loans$201.29 million
Deposits$489.85 million
Equity Capital$42.59 million
Loan Loss Allowance$2.04 million
Unbacked Noncurrent Loans$5.80 million
Real Estate Owned$545,000

Historic Data - September 2010

Assets$515.35 million
Equity Capital$40.84 million
Loan Loss Allowance$2.54 million
Unbacked Noncurrent Loans$2.52 million
Real Estate Owned$266,000

Profit Margin - Quarterly

Net Interest Margin3.69%
Return on Assets0.08%
Return on Equity0.96%
Interest Income$12.65 million
Non-Interest Income$6.29 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
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 September 30, 2011 NIH Federal Credit Union had $6.35 million in non-current loans and owned real-estate with $44.63 million in equity and loan loss allowances on hand to cover it. This gives NIH Federal Credit Union a Texas Ratio of 14.23% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend2
The Texas Ratio for NIH Federal Credit Union increased slightly from 6.41% as of September 30, 2010 to 14.23% as of September 30, 2011, resulting in a negative change of 121.92%. This indicates that the balance sheet and financial strength for NIH Federal Credit Union has declined slightly in recent periods.
Deposit Growth4
In the past year, NIH Federal Credit Union has increased its total deposits by $20.69 million, resulting in 4.41% 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 NIH Federal Credit Union has shown is above average.
Capitalization3
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. NIH Federal Credit Union has $541.28 million in assets with $44.63 million in equity, resulting in a capitalization level of 8.25%, which is average.
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