Lafayette Credit Union

Lafayette Credit Union is headquartered in KENSINGTON and is the 16^st largest credit union in the state of Maryland. It is also the 578^th largest credit union in the nation. It was established in 1935 and as of December of 2011, it had grown to 66 employees and 13,902 members. Lafayette Credit Union's savings rates are 44% higher than the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics LAFAYETTE NCUA # 619 BankRate Report View Year Chartered 1935 Employees 66 Primary Regulator Assets and Liabilities Assets $337.39 million Loans $295.23 million Deposits $304.29 million Equity Capital $30.13 million Loan Loss Allowance $4.47 million Unbacked Noncurrent Loans $5.56 million Real Estate Owned $2.47 million Historic Data - December 2010 Assets $350.88 million Equity Capital $28.60 million Loan Loss Allowance $4.74 million Unbacked Noncurrent Loans $10.26 million Real Estate Owned $2.39 million Profit Margin - Quarterly Net Interest Margin 4.3% Return on Assets 0.47% Return on Equity 5.22% Interest Income $15.20 million Non-Interest Income $2.64 million

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 Lafayette Credit Union had $8.03 million in non-current loans and owned real-estate with $34.6 million in equity and loan loss allowances on hand to cover it. This gives Lafayette Credit Union a Texas Ratio of 23.21% 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 Lafayette Credit Union decreased slightly from 37.94% as of December 31, 2010 to 23.21% as of December 31, 2011, resulting in a positive change of 38.83%.This indicates that the balance sheet and financial strength for Lafayette Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Lafayette Credit Union has decreased its total deposits by -$5.42 million, resulting in -1.75% 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 Lafayette 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. Lafayette Credit Union has $337.39 million in assets with $34.6 million in equity, resulting in a capitalization level of 10.25%, which is above average.

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