The Hub-Co Credit Union

The Hub-Co Credit Union is headquartered in Keokuk and is the 63^rd largest credit union in the state of Iowa. It is also the 4,101^st largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 4 employees and 3,195 members. The Hub-Co Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics THE HUB-CO NCUA # 60678 BankRate Report View Year Chartered 1938 Employees 4 Primary Regulator Assets and Liabilities Assets $13.92 million Loans $5.35 million Deposits $12.11 million Equity Capital $1.73 million Loan Loss Allowance $74,000 Unbacked Noncurrent Loans $157,000 Real Estate Owned $18,000 Historic Data - December 2010 Assets $13.91 million Equity Capital $1.82 million Loan Loss Allowance $61,000 Unbacked Noncurrent Loans $48,000 Real Estate Owned $29,000 Profit Margin - Quarterly Net Interest Margin 6.44% Return on Assets -0.6% Return on Equity -4.79% Interest Income $480,000 Non-Interest Income $77,000

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 The Hub-Co Credit Union had $175,000 in non-current loans and owned real-estate with $1.81 million in equity and loan loss allowances on hand to cover it. This gives The Hub-Co Credit Union a Texas Ratio of 9.68% 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 The Hub-Co Credit Union increased slightly from 4.09% as of December 31, 2010 to 9.68% as of December 31, 2011, resulting in a negative change of 136.71%. This indicates that the balance sheet and financial strength for The Hub-Co Credit Union has declined slightly in recent periods. Deposit Growth In the past year, The Hub-Co Credit Union has increased its total deposits by $60,000, resulting in 0.5% 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 The Hub-Co Credit Union has shown is average. 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. The Hub-Co Credit Union has $13.92 million in assets with $1.81 million in equity, resulting in a capitalization level of 12.99%, which is excellent.

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