Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
800-919-2872
720 Blackburn Rd
Sewickley, PA 15143

PA Healthcare Credit Union is headquartered in Sewickley and is the 165th largest credit union in the state of Pennsylvania. It is also the 3,105th largest credit union in the nation. It was established in 1973 and as of December of 2013, it had grown to 4 employees and 3,032 members. PA Healthcare Credit Union has a B health rating.

Field of Membership Restrictions

Must be an employee, independent contractor or self-employed person that work in the HealthCare Industry in any of the Southwestern Pennsylvania counties of Allegheny, Armstrong, Beaver, Butler, Fayette, Washington and Westmoreland. - See Details

No reviews have been left for this bank yet. Be the first to review.



Health

Data for Q4 2013

Institution Health

B
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. PA Healthcare Credit Union has a low asset base.

Texas Ratio

GRADE:
A+

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, 2013 PA Healthcare Credit Union had $113,000 in non-current loans and owned real-estate with $2.47 million in equity and loan loss allowances on hand to cover it. This gives PA Healthcare Credit Union a Texas Ratio of 4.58% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for PA Healthcare Credit Union experienced no significant changes from 1.67% as of December 31, 2012 to 4.58% as of December 31, 2013, resulting in a negative change of 174.27%. This indicates that the balance sheet and financial strength for PA Healthcare Credit Union has had no significant changes in recent periods.

Deposit Growth

GRADE:
C

In the past year, PA Healthcare Credit Union has decreased its total deposits by $-610,000, resulting in -2.47% 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 PA Healthcare Credit Union has shown is average.

Capitalization

GRADE:
C+

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. PA Healthcare Credit Union has $26.58 million in assets with $2.47 million in equity, resulting in a capitalization level of 9.28%, which is average.

Institution Statistics

Overall
NCUA #63714
Year Chartered1973
Employees4
Primary Regulator
Assets and Liabilities
Assets$26.58 million
Loans$5.80 million
Deposits$24.07 million
Equity Capital$2.43 million
Loan Loss Allowance$38,000
Unbacked Noncurrent Loans$113,000
Real Estate Owned$0
Historic Data - December 2012
Assets$27.99 million
Equity Capital$3.24 million
Loan Loss Allowance$56,000
Unbacked Noncurrent Loans$113,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin6.18%
Return on Assets0.13%
Return on Equity1.44%
Interest Income$629,000
Rates

Always verify rates and promotions with the bank or credit union. We are not PA Healthcare Credit Union, we are a rate comparison website and can not provide official rates or promotions.

PA Healthcare Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.10%$100-Share Savings Account
0.10%$100-IRA Savings
0.10%$100-Roth IRA Savings
0.10%$100-Coverdell Education Savings Account
0.05%--Christmas Club Account
0.05%--Wage Club Account
0.05%--Vacation Club Account

PA Healthcare Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.20%$25k-Money Market Account
0.20%$25k-IRA Money Market Account
0.20%$25k-Roth IRA Money Market Account
0.20%$25k-CESA Money Market Account

PA Healthcare Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.00%--Share Draft Checking Account

PA Healthcare Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.26%--5 Year CD
1.00%--4 Year CD
0.75%--3 Year CD
0.65%--2 Year CD
0.50%--18 Month CD
0.40%--12 Month CD
0.30%--6 Month CD
0.20%--3 Month CD
Locations


PA Healthcare Credit Union Locations
Branch Office720 Blackburn RdSewickley, PA 15143-1459
Branch Office1000 Dutch Ridge RdBeaver, PA 15009-9727