Central Sunbelt Federal Credit Union

Central Sunbelt Federal Credit Union is headquartered in Laurel and is the 3^rd largest credit union in the state of Mississippi. It is also the 937^th largest credit union in the nation. It was established in 1953 and as of September of 2011, it had grown to 55 employees and 23,834 members. Central Sunbelt Federal Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

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Data for Q3 2011

Institution Statistics CENTRAL SUNBELT NCUA # 8905 BankRate Report View Year Established 1953 Employees 55 Primary Regulator Assets and Liabilities Assets $175.98 million Loans $76.26 million Deposits $153.54 million Equity Capital $21.25 million Loan Loss Allowance $680,000 Unbacked Noncurrent Loans $1.86 million Historic Data - September 2010 Assets $161.11 million Equity Capital $19.36 million Loan Loss Allowance $642,000 Unbacked Noncurrent Loans $719,000 Profit Margin - Quarterly Net Interest Margin 4.57% Return on Assets 0.73% Return on Equity 6.08% Interest Income $5.21 million Non-Interest Income $3.75 million

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 September 30, 2011 Central Sunbelt Federal Credit Union had $1.86 million in non-current loans and owned real-estate with $21.93 million in equity and loan loss allowances on hand to cover it. This gives Central Sunbelt Federal Credit Union a Texas Ratio of 8.46% 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 Central Sunbelt Federal Credit Union held steady from 3.60% as of September 30, 2010 to 8.46% as of September 30, 2011, resulting in a negative change of 135.29%. This indicates that the balance sheet and financial strength for Central Sunbelt Federal Credit Union has held steady in recent periods. Deposit Growth In the past year, Central Sunbelt Federal Credit Union has increased its total deposits by $13.1 million, resulting in 9.33% 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 Central Sunbelt Federal 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. Central Sunbelt Federal Credit Union has $175.98 million in assets with $21.93 million in equity, resulting in a capitalization level of 12.46%, which is excellent.

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