District 05 DOTD Credit Union

District 05 DOTD Credit Union is headquartered in Monroe and is the 121^st largest credit union in the state of Louisiana. It is also the 4,941^st largest credit union in the nation. It was established in 1961 and as of December of 2011, it had grown to 3 employees and 1,308 members. District 05 DOTD Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

District 05 DOTD Credit Union Checking Account Rates

District 05 DOTD Credit Union Savings Account Rates

District 05 DOTD Credit Union CD Rates

District 05 DOTD Credit Union IRA Rates

Data for Q4 2011

Institution Statistics DISTRICT 05 DOTD NCUA # 14249 BankRate Report View Year Chartered 1961 Employees 3 Primary Regulator Assets and Liabilities Assets $7.95 million Loans $4.75 million Deposits $6.44 million Equity Capital $1.50 million Loan Loss Allowance $61,000 Unbacked Noncurrent Loans $206,000 Historic Data - December 2010 Assets $7.30 million Equity Capital $1.47 million Loan Loss Allowance $72,000 Unbacked Noncurrent Loans $320,000 Profit Margin - Quarterly Net Interest Margin 6.73% Return on Assets 0.59% Return on Equity 3.13% Interest Income $386,000 Non-Interest Income $26,000

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 District 05 DOTD Credit Union had $206,000 in non-current loans and owned real-estate with $1.56 million in equity and loan loss allowances on hand to cover it. This gives District 05 DOTD Credit Union a Texas Ratio of 13.17% 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 District 05 DOTD Credit Union decreased slightly from 20.71% as of December 31, 2010 to 13.17% as of December 31, 2011, resulting in a positive change of 36.41%.This indicates that the balance sheet and financial strength for District 05 DOTD Credit Union has improved slightly in recent periods. Deposit Growth In the past year, District 05 DOTD Credit Union has increased its total deposits by $630,000, resulting in 10.85% 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 District 05 DOTD 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. District 05 DOTD Credit Union has $7.95 million in assets with $1.56 million in equity, resulting in a capitalization level of 19.68%, which is excellent.

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