C D S C Louisiana Credit Union

C D S C Louisiana Credit Union is headquartered in COUSHATTA and is the 85^th largest credit union in the state of Louisiana. It is also the 3,842^nd largest credit union in the nation. It was established in 1975 and as of December of 2011, it had grown to 3 employees and 1,105 members. C D S C Louisiana Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics C D S C LOUISIANA NCUA # 22218 BankRate Report View Year Chartered 1975 Employees 3 Primary Regulator Assets and Liabilities Assets $16.61 million Loans $10.34 million Deposits $14.45 million Equity Capital $2.16 million Loan Loss Allowance $155,000 Unbacked Noncurrent Loans $1.00 million Historic Data - December 2010 Assets $15.67 million Equity Capital $1.89 million Loan Loss Allowance $180,000 Unbacked Noncurrent Loans $643,000 Profit Margin - Quarterly Net Interest Margin 5.81% Return on Assets 1.63% Return on Equity 12.51% Interest Income $1.02 million Non-Interest Income $30,000

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 C D S C Louisiana Credit Union had $1 million in non-current loans and owned real-estate with $2.31 million in equity and loan loss allowances on hand to cover it. This gives C D S C Louisiana Credit Union a Texas Ratio of 43.34% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for C D S C Louisiana Credit Union increased slightly from 31.08% as of December 31, 2010 to 43.34% as of December 31, 2011, resulting in a negative change of 39.47%. This indicates that the balance sheet and financial strength for C D S C Louisiana Credit Union has declined slightly in recent periods. Deposit Growth In the past year, C D S C Louisiana Credit Union has increased its total deposits by $670,000, resulting in 4.86% 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 C D S C Louisiana Credit Union has shown is above 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. C D S C Louisiana Credit Union has $16.61 million in assets with $2.31 million in equity, resulting in a capitalization level of 13.93%, which is excellent.

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