Winthrop-University Hospital Employ Credit Union

Winthrop-University Hospital Employ Credit Union is headquartered in Mineola and is the 156^th largest credit union in the state of New York. It is also the 3,156^th largest credit union in the nation. It was established in 1973 and as of December of 2011, it had grown to 6 employees and 3,732 members. Winthrop-University Hospital Employ Credit Union's money market rates are 48% higher than the national average, and it has a 3-star health rating.

Winthrop-University Hospital Employ Credit Union Checking Account Rates

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Winthrop-University Hospital Employ Credit Union Money Market Rates

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Winthrop-University Hospital Employ Credit Union IRA Rates

Data for Q4 2011

Institution Statistics WINTHROP-UNIVERSITY HOSPITAL EMPLOY NCUA # 21168 BankRate Report View Year Chartered 1973 Employees 6 Primary Regulator Assets and Liabilities Assets $25.87 million Loans $14.73 million Deposits $23.55 million Equity Capital $2.12 million Loan Loss Allowance $411,000 Unbacked Noncurrent Loans $562,000 Historic Data - December 2010 Assets $22.86 million Equity Capital $1.99 million Loan Loss Allowance $276,000 Unbacked Noncurrent Loans $365,000 Profit Margin - Quarterly Net Interest Margin 7.58% Return on Assets 0.51% Return on Equity 6.22% Interest Income $1.28 million Non-Interest Income $385,000

Institution Health Overall Score: 3 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 Winthrop-University Hospital Employ Credit Union had $562,000 in non-current loans and owned real-estate with $2.53 million in equity and loan loss allowances on hand to cover it. This gives Winthrop-University Hospital Employ Credit Union a Texas Ratio of 22.18% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Winthrop-University Hospital Employ Credit Union increased slightly from 16.09% as of December 31, 2010 to 22.18% as of December 31, 2011, resulting in a negative change of 37.87%. This indicates that the balance sheet and financial strength for Winthrop-University Hospital Employ Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Winthrop-University Hospital Employ Credit Union has increased its total deposits by $2.9 million, resulting in 14.05% 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 Winthrop-University Hospital Employ 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. Winthrop-University Hospital Employ Credit Union has $25.87 million in assets with $2.53 million in equity, resulting in a capitalization level of 9.80%, which is average.

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