Ouachita Valley Credit Union

Ouachita Valley Credit Union is headquartered in West Monroe and is the 15^st largest credit union in the state of Louisiana. It is also the 1,115^st largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 64 employees and 25,179 members. Ouachita Valley Credit Union's savings rates are 3X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics OUACHITA VALLEY NCUA # 10181 BankRate Report View Year Chartered 1955 Employees 64 Primary Regulator Assets and Liabilities Assets $141.14 million Loans $91.47 million Deposits $120.38 million Equity Capital $17.90 million Loan Loss Allowance $466,000 Unbacked Noncurrent Loans $1.52 million Real Estate Owned $50,000 Historic Data - December 2010 Assets $128.79 million Equity Capital $16.04 million Loan Loss Allowance $638,000 Unbacked Noncurrent Loans $1.38 million Profit Margin - Quarterly Net Interest Margin 5.58% Return on Assets 1.4% Return on Equity 11.03% Interest Income $6.72 million Non-Interest Income $3.83 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, 2011 Ouachita Valley Credit Union had $1.57 million in non-current loans and owned real-estate with $18.36 million in equity and loan loss allowances on hand to cover it. This gives Ouachita Valley Credit Union a Texas Ratio of 8.54% 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 Ouachita Valley Credit Union held steady from 8.25% as of December 31, 2010 to 8.54% as of December 31, 2011, resulting in a negative change of 3.50%. This indicates that the balance sheet and financial strength for Ouachita Valley Credit Union has held steady in recent periods. Deposit Growth In the past year, Ouachita Valley Credit Union has increased its total deposits by $10.37 million, resulting in 9.43% 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 Ouachita Valley 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. Ouachita Valley Credit Union has $141.14 million in assets with $18.36 million in equity, resulting in a capitalization level of 13.01%, which is excellent.

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