Louviers CU

Louviers CU is headquartered in Newark and is the 4^th largest credit union in the state of Delaware. It is also the 818^st largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 19 employees and 10,907 members. Louviers CU's money market rates are 70% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics LOUVIERS NCUA # 18765 BankRate Report View Year Chartered 1968 Employees 19 Primary Regulator Assets and Liabilities Assets $216.41 million Loans $56.32 million Deposits $193.49 million Equity Capital $21.08 million Loan Loss Allowance $541,000 Unbacked Noncurrent Loans $1.09 million Real Estate Owned $200,000 Historic Data - December 2010 Assets $207.23 million Equity Capital $17.80 million Loan Loss Allowance $550,000 Unbacked Noncurrent Loans $1.51 million Profit Margin - Quarterly Net Interest Margin 4.73% Return on Assets 0.4% Return on Equity 4.15% Interest Income $6.39 million Non-Interest Income $594,000

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 Louviers CU had $1.28 million in non-current loans and owned real-estate with $21.62 million in equity and loan loss allowances on hand to cover it. This gives Louviers CU a Texas Ratio of 5.94% 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 Louviers CU decreased slightly from 8.24% as of December 31, 2010 to 5.94% as of December 31, 2011, resulting in a positive change of 27.86%.This indicates that the balance sheet and financial strength for Louviers CU has improved slightly in recent periods. Deposit Growth In the past year, Louviers CU has increased its total deposits by $5.91 million, resulting in 3.15% 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 Louviers CU 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. Louviers CU has $216.4 million in assets with $21.62 million in equity, resulting in a capitalization level of 9.99%, which is average.

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