S E L H Credit Union

S E L H Credit Union is headquartered in Mandeville and is the 160^th largest credit union in the state of Louisiana. It is also the 5,976^th largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 3 employees and 1,728 members. S E L H Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics S E L H NCUA # 10509 BankRate Report View Year Chartered 1955 Employees 3 Primary Regulator Assets and Liabilities Assets $3.18 million Loans $1.94 million Deposits $2.38 million Equity Capital $800,000 Loan Loss Allowance $25,000 Unbacked Noncurrent Loans $97,000 Historic Data - December 2010 Assets $3.17 million Equity Capital $841,000 Loan Loss Allowance $22,000 Unbacked Noncurrent Loans $114,000 Profit Margin - Quarterly Net Interest Margin 12.15% Return on Assets -1.26% Return on Equity -5% Interest Income $253,000 Non-Interest Income $112,000

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 S E L H Credit Union had $97,000 in non-current loans and owned real-estate with $825,000 in equity and loan loss allowances on hand to cover it. This gives S E L H Credit Union a Texas Ratio of 11.76% 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 S E L H Credit Union held steady from 13.21% as of December 31, 2010 to 11.76% as of December 31, 2011, resulting in a positive change of 10.99%.This indicates that the balance sheet and financial strength for S E L H Credit Union has held steady in recent periods. Deposit Growth In the past year, S E L H Credit Union has increased its total deposits by $51,000, resulting in 2.19% 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 S E L H 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. S E L H Credit Union has $3.18 million in assets with $825,000 in equity, resulting in a capitalization level of 25.93%, which is excellent.

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