Regional Medical Ctr Hopkins Co Emp Credit Union

Regional Medical Ctr Hopkins Co Emp Credit Union is headquartered in MADISONVILLE and is the 53^rd largest credit union in the state of Kentucky. It is also the 4,769^th largest credit union in the nation. It was established in 1972 and as of December of 2011, it had grown to 4 employees and 2,204 members. Regional Medical Ctr Hopkins Co Emp Credit Union's savings rates are 2X the national average, and it has a 4-star health rating.

Regional Medical Ctr Hopkins Co Emp Credit Union Savings Account Rates

Regional Medical Ctr Hopkins Co Emp Credit Union CD Rates

Data for Q4 2011

Institution Statistics REGIONAL MEDICAL CTR HOPKINS CO EMP NCUA # 21126 BankRate Report View Year Chartered 1972 Employees 4 Primary Regulator Assets and Liabilities Assets $8.92 million Loans $5.68 million Deposits $8.15 million Equity Capital $755,000 Loan Loss Allowance $22,000 Unbacked Noncurrent Loans $75,000 Historic Data - December 2010 Assets $7.68 million Equity Capital $725,000 Loan Loss Allowance $17,000 Unbacked Noncurrent Loans $17,000 Profit Margin - Quarterly Net Interest Margin 6.14% Return on Assets 0.34% Return on Equity 3.97% Interest Income $407,000 Non-Interest Income $65,000

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 Regional Medical Ctr Hopkins Co Emp Credit Union had $75,000 in non-current loans and owned real-estate with $777,000 in equity and loan loss allowances on hand to cover it. This gives Regional Medical Ctr Hopkins Co Emp Credit Union a Texas Ratio of 9.65% 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 Regional Medical Ctr Hopkins Co Emp Credit Union increased slightly from 2.29% as of December 31, 2010 to 9.65% as of December 31, 2011, resulting in a negative change of 321.30%. This indicates that the balance sheet and financial strength for Regional Medical Ctr Hopkins Co Emp Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Regional Medical Ctr Hopkins Co Emp Credit Union has increased its total deposits by $1.2 million, resulting in 17.3% 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 Regional Medical Ctr Hopkins Co Emp 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. Regional Medical Ctr Hopkins Co Emp Credit Union has $8.92 million in assets with $777,000 in equity, resulting in a capitalization level of 8.71%, which is average.

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