Neighbors Federal Credit Union

Neighbors Federal Credit Union Locations

12529 Perkins Rd
Baton Rouge, LA 70810
(225) 819-2178
www.neighborsfcu.org

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Neighbors Federal Credit Union is headquartered in Baton Rouge and is the 2^nd largest credit union in the state of Louisiana. It is also the 349^th largest credit union in the nation. It was established in 1954 and as of December of 2012, it had grown to 197 employees and 67,785 members. Neighbors Federal Credit Union has a 5-star health rating.

Neighbor FCU (LA) Dropped Their RCA Limit... (Forum) - 9/13/2011

from (3.51%, $25K) to (3.51%, $10K).

Top CD and IRA CD Rates at Neighbors FCU in Louisiana - Local Only - 11/24/2010

Neighbors Federal Credit Union has several competitive rates on its Jumbo share certificates. Minimum deposit is $100,000. Rates are 25 basis points lower for the regular share certificates which have ...

2.25% 12-Month CD & 2.75% 24-Month CD at Neighbors FCU in Louisiana - Local Only - 8/26/2009

Neighbors Federal Credit Union has several competitive rates on its Jumbo share certificates. Minimum deposit is $100,000. Rates are 0.25% lower for the regular share certificates which have minimum deposit of $1,500. The same rates are also available...

High-Yield Reward Checking Account at Neighbors Federal Credit Union in Louisiana - Local Only - 8/26/2009

Neighbors Federal Credit Union is offering a reward checking account with the following rates and features if certain monthly requirements are met:4.51% APY on balances up to $25,0001.01% on portion of balances above $25,0000.15% base rate if...

2008

3/19 - 6.17% 9-Month CD at a Louisiana CU - IRA (Neighbors).

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See Rates for: Checking | Savings | Money Market | CD | IRA

Neighbors Federal Credit Union Checking Account Rates

	Apy	Min	Max	Product
	3.01%	-	$10k	Reward Checking

Neighbors Federal Credit Union Savings Account Rates

Apy	Min	Max	Product
0.45%	-	-	IRA Savings
0.45%	-	-	Roth IRA Savings
0.45%	-	-	Education IRA Savings
0.20%	$100	-	Share
0.20%	-	-	Youth Share
0.20%	$100	-	Extra Savers
0.20%	$100	-	Summer Savers Club
0.20%	$100	-	Christmas Club

Neighbors Federal Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.40%	$50k	-	Money Market

Neighbors Federal Credit Union CD Rates

Apy	Min	Max	Product
1.61%	$100k	-	60 Month Compounded Jumbo Share Certificate Account
1.60%	$100k	-	60 Month Transferred Jumbo Share Certificate Account
1.51%	$1,500	-	60 Month Compounded Share Certificate Account
1.50%	$1,500	-	60 Month Transferred Share Certificate Account
1.36%	$100k	-	48 Month Compounded Jumbo Share Certificate Account
1.35%	$100k	-	48 Month Transferred Jumbo Share Certificate Account
1.26%	$1,500	-	48 Month Compounded Share Certificate Account
1.25%	$1,500	-	48 Month Transferred Share Certificate Account
1.11%	$100k	-	36 Month Compounded Jumbo Share Certificate Account
1.10%	$100k	-	36 Month Transferred Jumbo Share Certificate Account
1.00%	$1,500	-	36 Month Transferred Share Certificate Account
1.00%	$1,500	-	36 Month Compounded Share Certificate Account
0.95%	$100k	-	24 Month Transferred Jumbo Share Certificate Account
0.95%	$100k	-	24 Month Compounded Jumbo Share Certificate Account
0.85%	$1,500	-	24 Month Transferred Share Certificate Account
0.85%	$1,500	-	24 Month Compounded Share Certificate Account
0.70%	$100k	-	12 Month Transferred Jumbo Share Certificate Account
0.70%	$100k	-	12 Month Compounded Jumbo Share Certificate Account
0.60%	$1,500	-	12 Month Transferred Share Certificate Account
0.60%	$1,500	-	12 Month Compounded Share Certificate Account
0.55%	$100k	-	6 Month Transferred Jumbo Share Certificate Account
0.55%	$100k	-	6 Month Compounded Jumbo Share Certificate Account
0.45%	$1,500	-	6 Month Transferred Share Certificate Account
0.45%	$1,500	-	6 Month Compounded Share Certificate Account

Neighbors Federal Credit Union IRA Rates

Apy	Min	Max	Product
1.61%	$100k	-	60 Month Jumbo IRA Certificate Account
1.61%	$100k	-	60 Month Jumbo Roth IRA Certificate Account
1.61%	$100k	-	60 Month Jumbo Education IRA Certificate Account
1.51%	$1,500	-	60 Month IRA Certificate Account
1.51%	$1,500	-	60 Month Roth IRA Certificate Account
1.51%	$1,500	-	60 Month Education IRA Certificate Account
1.36%	$100k	-	48 Month Jumbo IRA Certificate Account
1.36%	$100k	-	48 Month Jumbo Roth IRA Certificate Account
1.36%	$100k	-	48 Month Jumbo Education IRA Certificate Account
1.26%	$1,500	-	48 Month IRA Certificate Account
1.26%	$1,500	-	48 Month Roth IRA Certificate Account
1.26%	$1,500	-	48 Month Education IRA Certificate Account
1.11%	$100k	-	36 Month Jumbo IRA Certificate Account
1.11%	$100k	-	36 Month Jumbo Roth IRA Certificate Account
1.11%	$100k	-	36 Month Jumbo Education IRA Certificate Account
1.00%	$1,500	-	36 Month IRA Certificate Account
1.00%	$1,500	-	36 Month Roth IRA Certificate Account
1.00%	$1,500	-	36 Month Education IRA Certificate Account
0.95%	$100k	-	24 Month Jumbo IRA Certificate Account
0.95%	$100k	-	24 Month Jumbo Roth IRA Certificate Account
0.95%	$100k	-	24 Month Jumbo Education IRA Certificate Account
0.85%	$1,500	-	24 Month IRA Certificate Account
0.85%	$1,500	-	24 Month Roth IRA Certificate Account
0.85%	$1,500	-	24 Month Education IRA Certificate Account
0.70%	$100k	-	12 Month Jumbo IRA Certificate Account
0.70%	$100k	-	12 Month Jumbo Roth IRA Certificate Account
0.70%	$100k	-	12 Month Jumbo Education IRA Certificate Account
0.60%	$1,500	-	12 Month IRA Certificate Account
0.60%	$1,500	-	12 Month Roth IRA Certificate Account
0.60%	$1,500	-	12 Month Education IRA Certificate Account

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

NEIGHBORS
NCUA #	9229
BankRate Report	View
Year Chartered	1954
Employees	197
Primary Regulator
Assets and Liabilities
Assets	$603.08 million
Loans	$452.81 million
Deposits	$551.20 million
Equity Capital	$49.39 million
Loan Loss Allowance	$2.52 million
Unbacked Noncurrent Loans	$3.36 million
Real Estate Owned	$593,000
Historic Data - December 2011
Assets	$518.62 million
Equity Capital	$42.88 million
Loan Loss Allowance	$3.07 million
Unbacked Noncurrent Loans	$2.51 million
Real Estate Owned	$328,000
Profit Margin - Quarterly
Net Interest Margin	3.91%
Return on Assets	0.65%
Return on Equity	8%
Interest Income	$23.32 million
Non-Interest Income	$13.92 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, 2012 Neighbors Federal Credit Union had $3.95 million in non-current loans and owned real-estate with $51.9 million in equity and loan loss allowances on hand to cover it. This gives Neighbors Federal Credit Union a Texas Ratio of 7.62% 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 Neighbors Federal Credit Union held steady from 6.19% as of December 31, 2011 to 7.62% as of December 31, 2012, resulting in a negative change of 23.11%. This indicates that the balance sheet and financial strength for Neighbors Federal Credit Union has held steady in recent periods.
Deposit Growth
In the past year, Neighbors Federal Credit Union has increased its total deposits by $77.43 million, resulting in 16.34% 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 Neighbors Federal 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. Neighbors Federal Credit Union has $603.08 million in assets with $51.9 million in equity, resulting in a capitalization level of 8.61%, which is average.