CSE Credit Union

CSE Credit Union is headquartered in LAKE CHARLES and is the 8^th largest credit union in the state of Louisiana. It is also the 701^st largest credit union in the nation. It was established in 1943 and as of December of 2012, it had grown to 80 employees and 33,849 members. CSE Credit Union has a 5-star health rating.

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Data for Q4 2012

Institution Statistics CSE NCUA # 5086 BankRate Report View Year Chartered 1943 Employees 80 Primary Regulator Assets and Liabilities Assets $277.63 million Loans $170.13 million Deposits $241.40 million Equity Capital $33.94 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $1.84 million Real Estate Owned $540,000 Historic Data - December 2011 Assets $273.69 million Equity Capital $32.78 million Loan Loss Allowance $1.15 million Unbacked Noncurrent Loans $3.17 million Real Estate Owned $81,000 Profit Margin - Quarterly Net Interest Margin 5.1% Return on Assets 0.42% Return on Equity 3.41% Interest Income $10.29 million Non-Interest Income $2.54 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 December 31, 2012 CSE Credit Union had $2.38 million in non-current loans and owned real-estate with $34.98 million in equity and loan loss allowances on hand to cover it. This gives CSE Credit Union a Texas Ratio of 6.80% 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 CSE Credit Union decreased slightly from 9.57% as of December 31, 2011 to 6.80% as of December 31, 2012, resulting in a positive change of 28.95%.This indicates that the balance sheet and financial strength for CSE Credit Union has improved slightly in recent periods. Deposit Growth In the past year, CSE Credit Union has increased its total deposits by $2.29 million, resulting in 0.96% 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 CSE 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. CSE Credit Union has $277.63 million in assets with $34.98 million in equity, resulting in a capitalization level of 12.60%, which is excellent.

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