Alexandria T & P Credit Union

Alexandria T & P Credit Union is headquartered in ALEXANDRIA and is the 120^th largest credit union in the state of Louisiana. It is also the 4,935^th largest credit union in the nation. It was established in 1951 and as of December of 2011, it had grown to 2 employees and 775 members. Alexandria T & P Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics ALEXANDRIA T & P NCUA # 7473 BankRate Report View Year Chartered 1951 Employees 2 Primary Regulator Assets and Liabilities Assets $7.98 million Loans $3.09 million Deposits $6.89 million Equity Capital $1.05 million Loan Loss Allowance $54,000 Unbacked Noncurrent Loans $99,000 Historic Data - December 2010 Assets $7.60 million Equity Capital $1.01 million Loan Loss Allowance $57,000 Unbacked Noncurrent Loans $110,000 Profit Margin - Quarterly Net Interest Margin 8.06% Return on Assets 0.49% Return on Equity 3.71% Interest Income $289,000 Non-Interest Income $14,000

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 Alexandria T & P Credit Union had $99,000 in non-current loans and owned real-estate with $1.11 million in equity and loan loss allowances on hand to cover it. This gives Alexandria T & P Credit Union a Texas Ratio of 8.95% 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 Alexandria T & P Credit Union held steady from 10.28% as of December 31, 2010 to 8.95% as of December 31, 2011, resulting in a positive change of 12.93%.This indicates that the balance sheet and financial strength for Alexandria T & P Credit Union has held steady in recent periods. Deposit Growth In the past year, Alexandria T & P Credit Union has increased its total deposits by $331,000, resulting in 5.05% 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 Alexandria T & P 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. Alexandria T & P Credit Union has $7.98 million in assets with $1.11 million in equity, resulting in a capitalization level of 13.86%, which is excellent.

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