Cabot Employees CU (LA)

Cabot Employees CU (LA) is headquartered in VILLE PLATTE and is the 201^st largest credit union in the state of Louisiana. It is also the 6,864^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 1 employees and 77 members. Cabot Employees CU (LA) has a 5-star health rating.

Data for Q4 2011

Institution Statistics CABOT EMPLOYEES NCUA # 62896 BankRate Report View Year Chartered 1956 Employees 1 Primary Regulator Assets and Liabilities Assets $653,000 Loans $266,000 Deposits $550,000 Equity Capital $98,000 Loan Loss Allowance $5,000 Unbacked Noncurrent Loans $1,000 Historic Data - December 2010 Assets $652,000 Equity Capital $103,000 Loan Loss Allowance $4,000 Unbacked Noncurrent Loans $2,000 Profit Margin - Quarterly Net Interest Margin 5.11% Return on Assets -0.61% Return on Equity -4.08% Interest Income $21,000 Non-Interest Income $7,000

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 Cabot Employees CU (LA) had $1,000 in non-current loans and owned real-estate with $103,000 in equity and loan loss allowances on hand to cover it. This gives Cabot Employees CU (LA) a Texas Ratio of 0.97% 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 Cabot Employees CU (LA) decreased significantly from 1.87% as of December 31, 2010 to 0.97% as of December 31, 2011, resulting in a positive change of 48.06%.This indicates that the balance sheet and financial strength for Cabot Employees CU (LA) has improved significantly in recent periods. Deposit Growth In the past year, Cabot Employees CU (LA) has increased its total deposits by $6,000, resulting in 1.1% 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 Cabot Employees CU (LA) 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. Cabot Employees CU (LA) has $653,000 in assets with $103,000 in equity, resulting in a capitalization level of 15.77%, which is excellent.

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