S T S P Credit Union

S T S P Credit Union is headquartered in Lacombe and is the 202^nd largest credit union in the state of Louisiana. It is also the 6,868^th largest credit union in the nation. It was established in 1962 and as of December of 2011, it had grown to 1 employees and 349 members. S T S P Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics S T S P NCUA # 15089 BankRate Report View Year Chartered 1962 Employees 1 Primary Regulator Assets and Liabilities Assets $644,000 Loans $419,000 Deposits $572,000 Equity Capital $70,000 Loan Loss Allowance $3,000 Unbacked Noncurrent Loans $2,000 Historic Data - December 2010 Assets $612,000 Equity Capital $50,000 Loan Loss Allowance $3,000 Unbacked Noncurrent Loans $2,000 Profit Margin - Quarterly Net Interest Margin 11.28% Return on Assets 3.11% Return on Equity 28.57% Interest Income $48,000 Non-Interest Income $4,000

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 S T S P Credit Union had $2,000 in non-current loans and owned real-estate with $73,000 in equity and loan loss allowances on hand to cover it. This gives S T S P Credit Union a Texas Ratio of 2.74% 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 S T S P Credit Union decreased slightly from 3.77% as of December 31, 2010 to 2.74% as of December 31, 2011, resulting in a positive change of 27.40%.This indicates that the balance sheet and financial strength for S T S P Credit Union has improved slightly in recent periods. Deposit Growth In the past year, S T S P Credit Union has increased its total deposits by $15,000, resulting in 2.69% 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 T S P 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 T S P Credit Union has $644,000 in assets with $73,000 in equity, resulting in a capitalization level of 11.34%, which is above average.

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