Democrat P & L Credit Union

Democrat P & L Credit Union is headquartered in Little Rock and is the 55^th largest credit union in the state of Arkansas. It is also the 6,311^st largest credit union in the nation. It was established in 1939 and as of December of 2011, it had grown to employees and 317 members. Democrat P & L Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics DEMOCRAT P & L NCUA # 3090 BankRate Report View Year Chartered 1939 Employees 0 Primary Regulator Assets and Liabilities Assets $2.05 million Loans $1.08 million Deposits $1.72 million Equity Capital $299,000 Loan Loss Allowance $28,000 Unbacked Noncurrent Loans $58,000 Historic Data - December 2010 Assets $2.09 million Equity Capital $293,000 Loan Loss Allowance $32,000 Unbacked Noncurrent Loans $60,000 Profit Margin - Quarterly Net Interest Margin 6.92% Return on Assets 0.24% Return on Equity 1.67% Interest Income $92,000 Non-Interest Income $3,000

Institution Health Overall Score: 3 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 Democrat P & L Credit Union had $58,000 in non-current loans and owned real-estate with $327,000 in equity and loan loss allowances on hand to cover it. This gives Democrat P & L Credit Union a Texas Ratio of 17.74% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Democrat P & L Credit Union held steady from 18.46% as of December 31, 2010 to 17.74% as of December 31, 2011, resulting in a positive change of 3.92%.This indicates that the balance sheet and financial strength for Democrat P & L Credit Union has held steady in recent periods. Deposit Growth In the past year, Democrat P & L Credit Union has decreased its total deposits by $-32,000, resulting in -1.82% 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 Democrat P & L Credit Union has shown is below 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. Democrat P & L Credit Union has $2.05 million in assets with $327,000 in equity, resulting in a capitalization level of 15.92%, which is excellent.

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