A L E C Credit Union

A L E C Credit Union is headquartered in Baton Rouge and is the 103^rd largest credit union in the state of Louisiana. It is also the 4,519^st largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 2 employees and 1,183 members. A L E C Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics A L E C NCUA # 19131 BankRate Report View Year Chartered 1968 Employees 2 Primary Regulator Assets and Liabilities Assets $10.62 million Loans $2.41 million Deposits $8.87 million Equity Capital $1.75 million Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $3,000 Historic Data - December 2010 Assets $10.09 million Equity Capital $1.76 million Loan Loss Allowance $22,000 Unbacked Noncurrent Loans $16,000 Profit Margin - Quarterly Net Interest Margin 7.88% Return on Assets -0.08% Return on Equity -0.46% Interest Income $279,000

Institution Health Overall Score: 5 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 A L E C Credit Union had $3,000 in non-current loans and owned real-estate with $1.76 million in equity and loan loss allowances on hand to cover it. This gives A L E C Credit Union a Texas Ratio of 0.17% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for A L E C Credit Union decreased significantly from 0.90% as of December 31, 2010 to 0.17% as of December 31, 2011, resulting in a positive change of 81.03%.This indicates that the balance sheet and financial strength for A L E C Credit Union has improved significantly in recent periods. Deposit Growth In the past year, A L E C Credit Union has increased its total deposits by $564,000, resulting in 6.79% 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 A L E C 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. A L E C Credit Union has $10.62 million in assets with $1.76 million in equity, resulting in a capitalization level of 16.58%, which is excellent.

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