Carter Federal Credit Union

Carter Federal Credit Union is headquartered in Springhill and is the 12^st largest credit union in the state of Louisiana. It is also the 875^th largest credit union in the nation. It was established in 1954 and as of March of 2013, it had grown to 67 employees and 29,891 members. Carter Federal Credit Union's savings rates are 4X the national average, and it has a 4-star health rating.

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Data for Q1 2013

Institution Statistics CARTER NCUA # 9164 BankRate Report View Year Chartered 1954 Employees 67 Primary Regulator Assets and Liabilities Assets $212.11 million Loans $165.37 million Deposits $186.48 million Equity Capital $14.92 million Secondary Capital $3.80 million Loan Loss Allowance $788,000 Unbacked Noncurrent Loans $1.29 million Real Estate Owned $88,000 Historic Data - March 2012 Assets $207.65 million Equity Capital $14.36 million Loan Loss Allowance $881,000 Unbacked Noncurrent Loans $1.32 million Real Estate Owned $246,000 Profit Margin - Quarterly Net Interest Margin 1.1% Return on Assets 0.3% Return on Equity 4.26% Interest Income $2.32 million Non-Interest Income $1.00 million

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 March 31, 2013 Carter Federal Credit Union had $1.38 million in non-current loans and owned real-estate with $19.51 million in equity and loan loss allowances on hand to cover it. This gives Carter Federal Credit Union a Texas Ratio of 7.06% 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 Carter Federal Credit Union decreased slightly from 10.27% as of March 31, 2012 to 7.06% as of March 31, 2013, resulting in a positive change of 31.27%.This indicates that the balance sheet and financial strength for Carter Federal Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Carter Federal Credit Union has increased its total deposits by $2.65 million, resulting in 1.44% 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 Carter Federal 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. Carter Federal Credit Union has $212.1 million in assets with $15.71 million in equity, resulting in a capitalization level of 7.41%, which is below average.

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