L C Municipal Credit Union

L C Municipal Credit Union is headquartered in LAKE CHARLES and is the 185^th largest credit union in the state of Louisiana. It is also the 6,555^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 1 employees and 634 members. L C Municipal Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics L C MUNICIPAL NCUA # 11230 BankRate Report View Year Chartered 1956 Employees 1 Primary Regulator Assets and Liabilities Assets $1.39 million Loans $645,000 Deposits $1.20 million Equity Capital $222,000 Loan Loss Allowance $14,000 Unbacked Noncurrent Loans $10,000 Historic Data - December 2010 Assets $1.39 million Equity Capital $228,000 Loan Loss Allowance $10,000 Unbacked Noncurrent Loans $8,000 Profit Margin - Quarterly Net Interest Margin 10.22% Return on Assets -0.43% Return on Equity -2.7% Interest Income $78,000 Non-Interest Income $4,000

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 L C Municipal Credit Union had $10,000 in non-current loans and owned real-estate with $236,000 in equity and loan loss allowances on hand to cover it. This gives L C Municipal Credit Union a Texas Ratio of 4.24% 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 L C Municipal Credit Union held steady from 3.36% as of December 31, 2010 to 4.24% as of December 31, 2011, resulting in a negative change of 26.06%. This indicates that the balance sheet and financial strength for L C Municipal Credit Union has held steady in recent periods. Deposit Growth In the past year, L C Municipal Credit Union has increased its total deposits by $67,000, resulting in 5.91% 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 L C Municipal 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. L C Municipal Credit Union has $1.39 million in assets with $236,000 in equity, resulting in a capitalization level of 16.94%, which is excellent.

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