Heart Of Louisiana Credit Union

Heart Of Louisiana Credit Union is headquartered in Pineville and is the 29^th largest credit union in the state of Louisiana. It is also the 1,624^th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 35 employees and 14,248 members. Heart Of Louisiana Credit Union's savings rates are 6X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics HEART OF LOUISIANA NCUA # 10164 BankRate Report View Year Chartered 1955 Employees 35 Primary Regulator Assets and Liabilities Assets $81.59 million Loans $53.29 million Deposits $71.09 million Equity Capital $10.19 million Loan Loss Allowance $1.58 million Unbacked Noncurrent Loans $1.17 million Historic Data - December 2010 Assets $78.58 million Equity Capital $8.98 million Loan Loss Allowance $1.73 million Unbacked Noncurrent Loans $1.76 million Profit Margin - Quarterly Net Interest Margin 6.53% Return on Assets 1.48% Return on Equity 11.82% Interest Income $3.93 million Non-Interest Income $1.92 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, 2011 Heart Of Louisiana Credit Union had $1.17 million in non-current loans and owned real-estate with $11.77 million in equity and loan loss allowances on hand to cover it. This gives Heart Of Louisiana Credit Union a Texas Ratio of 9.91% 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 Heart Of Louisiana Credit Union decreased slightly from 16.42% as of December 31, 2010 to 9.91% as of December 31, 2011, resulting in a positive change of 39.67%.This indicates that the balance sheet and financial strength for Heart Of Louisiana Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Heart Of Louisiana Credit Union has increased its total deposits by $1.69 million, resulting in 2.44% 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 Heart Of Louisiana Credit Union has shown is above 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. Heart Of Louisiana Credit Union has $81.59 million in assets with $11.77 million in equity, resulting in a capitalization level of 14.42%, which is excellent.