Ochsner Clinic Credit Union

Ochsner Clinic Credit Union is headquartered in New Orleans and is the 118^st largest credit union in the state of Louisiana. It is also the 4,909^th largest credit union in the nation. It was established in 1973 and as of December of 2011, it had grown to 5 employees and 2,986 members. Ochsner Clinic Credit Union's savings rates are 46% higher than the national average, and it has a 4-star health rating.

Ochsner Clinic Credit Union Savings Account Rates

Ochsner Clinic Credit Union CD Rates

Data for Q4 2011

Institution Statistics OCHSNER CLINIC NCUA # 21481 BankRate Report View Year Chartered 1973 Employees 5 Primary Regulator Assets and Liabilities Assets $8.11 million Loans $5.11 million Deposits $7.48 million Equity Capital $623,000 Loan Loss Allowance $48,000 Unbacked Noncurrent Loans $150,000 Historic Data - December 2010 Assets $7.40 million Equity Capital $540,000 Loan Loss Allowance $48,000 Unbacked Noncurrent Loans $171,000 Profit Margin - Quarterly Net Interest Margin 7.39% Return on Assets 1.02% Return on Equity 13.32% Interest Income $416,000 Non-Interest Income $185,000

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 Ochsner Clinic Credit Union had $150,000 in non-current loans and owned real-estate with $671,000 in equity and loan loss allowances on hand to cover it. This gives Ochsner Clinic Credit Union a Texas Ratio of 22.35% 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 Ochsner Clinic Credit Union decreased slightly from 29.08% as of December 31, 2010 to 22.35% as of December 31, 2011, resulting in a positive change of 23.13%.This indicates that the balance sheet and financial strength for Ochsner Clinic Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Ochsner Clinic Credit Union has increased its total deposits by $620,000, resulting in 9.04% 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 Ochsner Clinic 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. Ochsner Clinic Credit Union has $8.1 million in assets with $671,000 in equity, resulting in a capitalization level of 8.28%, which is average.

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