Monroe Credit Union

1011 North 11th Street
Monroe, LA 71207
318-410-4333
www.monroecu.com

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Monroe Credit Union is headquartered in Monroe and is the 155^th largest credit union in the state of Louisiana. It is also the 5,780^th largest credit union in the nation. It was established in 1968 and as of December of 2011, it had grown to 3 employees and 1,016 members. Monroe Credit Union has a 4-star health rating.

Monroe Credit Union Routing Number: 311175297

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See Rates for: Checking | Savings | CD | IRA

Monroe Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	$100k	-	Business Plus Draft Account
0.10%	$10k	-	Investment Draft Account

Monroe Credit Union Savings Account Rates

Apy	Min	Max	Product
0.15%	$50k	-	High Yield Account
0.05%	$300	-	Share (Savings) Account
0.05%	$2k	-	Senior Share (Savings) Account
0.05%	$300	-	Business Share Account
0.00%	-	-	Christmas Club Account
0.00%	-	-	Vacation Club Account

Monroe Credit Union CD Rates

Apy	Min	Max	Product
0.85%	$25k	-	60 Month Bonus CD
0.75%	$10k	-	60 Month CD
0.75%	$25k	-	48 Month Bonus CD
0.65%	$10k	-	48 Month CD
0.55%	$25k	-	36 Month Bonus CD
0.50%	$250	-	36 Month Youth CD
0.50%	$10k	-	36 Month CD
0.45%	$25k	-	24 Month Bonus CD
0.40%	$250	-	24 Month Youth CD
0.40%	$10k	-	24 Month CD
0.35%	$25k	-	18 Month Bonus CD
0.30%	$10k	-	18 Month CD
0.25%	$25k	-	12 Month Bonus CD
0.20%	$250	-	12 Month Youth CD
0.20%	$10k	-	12 Month CD
0.15%	$25k	-	3 Month Bonus CD
0.15%	$25k	-	6 Month Bonus CD
0.10%	$1k	-	3 Month CD
0.10%	$1k	-	6 Month CD

Monroe Credit Union IRA Rates

Apy	Min	Max	Product
0.75%	$500	-	60 Month IRA CD
0.60%	$500	-	48 Month IRA CD
0.50%	$500	-	36 Month IRA CD
0.25%	$500	-	24 Month IRA CD
0.15%	$500	-	12 Month IRA CD
0.10%	$500	-	6 Month IRA CD

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

MONROE
NCUA #	62935
BankRate Report	View
Year Chartered	1968
Employees	3
Primary Regulator
Assets and Liabilities
Assets	$3.95 million
Loans	$2.16 million
Deposits	$3.42 million
Equity Capital	$531,000
Loan Loss Allowance	$38,000
Unbacked Noncurrent Loans	$76,000
Historic Data - December 2010
Assets	$3.83 million
Equity Capital	$537,000
Loan Loss Allowance	$71,000
Unbacked Noncurrent Loans	$55,000
Profit Margin - Quarterly
Net Interest Margin	8.53%
Return on Assets	-0.15%
Return on Equity	-1.13%
Interest Income	$216,000
Non-Interest Income	$31,000

Institution Health

Overall Score:

4 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 Monroe Credit Union had $76,000 in non-current loans and owned real-estate with $569,000 in equity and loan loss allowances on hand to cover it. This gives Monroe Credit Union a Texas Ratio of 13.36% 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 Monroe Credit Union held steady from 9.05% as of December 31, 2010 to 13.36% as of December 31, 2011, resulting in a negative change of 47.65%. This indicates that the balance sheet and financial strength for Monroe Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Monroe Credit Union has increased its total deposits by $132,000, resulting in 4.02% 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 Monroe 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. Monroe Credit Union has $3.95 million in assets with $569,000 in equity, resulting in a capitalization level of 14.42%, which is excellent.

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