Copiah - Lincoln Educators Credit Union

Copiah - Lincoln Educators Credit Union is headquartered in Wesson and is the 80^th largest credit union in the state of Mississippi. It is also the 6,679^th largest credit union in the nation. It was established in 1983 and as of December of 2011, it had grown to 1 employees and 567 members. Copiah - Lincoln Educators Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics COPIAH - LINCOLN EDUCATORS NCUA # 23973 BankRate Report View Year Chartered 1983 Employees 1 Primary Regulator Assets and Liabilities Assets $1.07 million Loans $314,000 Deposits $951,000 Equity Capital $112,000 Loan Loss Allowance $9,000 Unbacked Noncurrent Loans $2,000 Historic Data - December 2010 Assets $1.06 million Equity Capital $95,000 Loan Loss Allowance $12,000 Unbacked Noncurrent Loans $2,000 Profit Margin - Quarterly Net Interest Margin 11.89% Return on Assets 2.25% Return on Equity 21.43% Interest Income $39,000 Non-Interest Income $9,000

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 Copiah - Lincoln Educators Credit Union had $2,000 in non-current loans and owned real-estate with $121,000 in equity and loan loss allowances on hand to cover it. This gives Copiah - Lincoln Educators Credit Union a Texas Ratio of 1.65% 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 Copiah - Lincoln Educators Credit Union held steady from 1.87% as of December 31, 2010 to 1.65% as of December 31, 2011, resulting in a positive change of 11.57%.This indicates that the balance sheet and financial strength for Copiah - Lincoln Educators Credit Union has held steady in recent periods. Deposit Growth In the past year, Copiah - Lincoln Educators Credit Union has decreased its total deposits by $-5,000, resulting in -0.52% 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 Copiah - Lincoln Educators Credit Union has shown is 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. Copiah - Lincoln Educators Credit Union has $1.07 million in assets with $121,000 in equity, resulting in a capitalization level of 11.34%, which is above average.

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