Shreveport Credit Union

Shreveport Credit Union is headquartered in Shreveport and is the 28^th largest credit union in the state of Louisiana. It is also the 1,547^th largest credit union in the nation. It was established in 1956 and as of December of 2011, it had grown to 53 employees and 19,532 members. Shreveport Credit Union has a 4-star health rating.

Data for Q4 2011

Institution Statistics SHREVEPORT NCUA # 11263 BankRate Report View Year Chartered 1956 Employees 53 Primary Regulator Assets and Liabilities Assets $86.74 million Loans $66.72 million Deposits $72.48 million Equity Capital $9.97 million Loan Loss Allowance $1.08 million Unbacked Noncurrent Loans $1.26 million Historic Data - December 2010 Assets $86.06 million Equity Capital $8.86 million Loan Loss Allowance $677,000 Unbacked Noncurrent Loans $1.57 million Profit Margin - Quarterly Net Interest Margin 9.11% Return on Assets 1.5% Return on Equity 13.09% Interest Income $6.95 million Non-Interest Income $1.85 million

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 Shreveport Credit Union had $1.25 million in non-current loans and owned real-estate with $11.04 million in equity and loan loss allowances on hand to cover it. This gives Shreveport Credit Union a Texas Ratio of 11.36% 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 Shreveport Credit Union decreased slightly from 16.46% as of December 31, 2010 to 11.36% as of December 31, 2011, resulting in a positive change of 30.97%.This indicates that the balance sheet and financial strength for Shreveport Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Shreveport Credit Union has decreased its total deposits by -$1.09 million, resulting in -1.49% 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 Shreveport Credit Union has shown is below 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. Shreveport Credit Union has $86.74 million in assets with $11.04 million in equity, resulting in a capitalization level of 12.73%, which is excellent.

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