S H P E Credit Union

S H P E Credit Union is headquartered in GREENSBURG and is the 171^st largest credit union in the state of Louisiana. It is also the 6,262^nd largest credit union in the nation. It was established in 1959 and as of December of 2011, it had grown to 2 employees and 1,030 members. S H P E Credit Union has a 3-star health rating.

Data for Q4 2011

Institution Statistics S H P E NCUA # 13248 BankRate Report View Year Chartered 1959 Employees 2 Primary Regulator Assets and Liabilities Assets $2.23 million Loans $1.51 million Deposits $1.98 million Equity Capital $222,000 Loan Loss Allowance $20,000 Unbacked Noncurrent Loans $132,000 Historic Data - December 2010 Assets $1.90 million Equity Capital $204,000 Loan Loss Allowance $27,000 Unbacked Noncurrent Loans $111,000 Profit Margin - Quarterly Net Interest Margin 8.02% Return on Assets 0.72% Return on Equity 7.21% Interest Income $148,000 Non-Interest Income $14,000

Institution Health Overall Score: 3 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 H P E Credit Union had $132,000 in non-current loans and owned real-estate with $242,000 in equity and loan loss allowances on hand to cover it. This gives S H P E Credit Union a Texas Ratio of 54.55% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for S H P E Credit Union held steady from 48.05% as of December 31, 2010 to 54.55% as of December 31, 2011, resulting in a negative change of 13.51%. This indicates that the balance sheet and financial strength for S H P E Credit Union has held steady in recent periods. Deposit Growth In the past year, S H P E Credit Union has increased its total deposits by $319,000, resulting in 19.18% 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 H P E 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. S H P E Credit Union has $2.23 million in assets with $242,000 in equity, resulting in a capitalization level of 10.83%, which is above average.

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