Aneca Credit Union

Aneca Credit Union is headquartered in Shreveport and is the 18^st largest credit union in the state of Louisiana. It is also the 1,294^th largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to 28 employees and 6,777 members. Aneca Credit Union's savings rates are 3X the national average, and it has a 4-star health rating.

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Data for Q4 2011

Institution Statistics ANECA NCUA # 3212 BankRate Report View Year Chartered 1939 Employees 28 Primary Regulator Assets and Liabilities Assets $115.37 million Loans $73.38 million Deposits $95.65 million Equity Capital $18.91 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $2.50 million Real Estate Owned $516,000 Historic Data - December 2010 Assets $84.40 million Equity Capital $19.19 million Loan Loss Allowance $733,000 Unbacked Noncurrent Loans $428,000 Profit Margin - Quarterly Net Interest Margin 4.67% Return on Assets -0.05% Return on Equity -0.3% Interest Income $5.02 million Non-Interest Income $998,000

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 Aneca Credit Union had $3.02 million in non-current loans and owned real-estate with $19.92 million in equity and loan loss allowances on hand to cover it. This gives Aneca Credit Union a Texas Ratio of 15.15% 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 Aneca Credit Union increased slightly from 2.15% as of December 31, 2010 to 15.15% as of December 31, 2011, resulting in a negative change of 605.25%. This indicates that the balance sheet and financial strength for Aneca Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Aneca Credit Union has increased its total deposits by $30.89 million, resulting in 47.71% 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 Aneca 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. Aneca Credit Union has $115.37 million in assets with $19.92 million in equity, resulting in a capitalization level of 17.27%, which is excellent.

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