Southern Teachers & Parents Credit Union

Southern Teachers & Parents Credit Union is headquartered in Baton Rouge and is the 55^th largest credit union in the state of Louisiana. It is also the 2,970^th largest credit union in the nation. It was established in 1937 and as of December of 2011, it had grown to 13 employees and 5,683 members. Southern Teachers & Parents Credit Union's savings rates are 3X the national average, and it has a 3-star health rating.

Southern Teachers & Parents Credit Union Savings Account Rates

Southern Teachers & Parents Credit Union CD Rates

Data for Q4 2011

Institution Statistics SOUTHERN TEACHERS & PARENTS NCUA # 2068 BankRate Report View Year Chartered 1937 Employees 13 Primary Regulator Assets and Liabilities Assets $29.40 million Loans $13.61 million Deposits $26.73 million Equity Capital $2.23 million Loan Loss Allowance $110,000 Unbacked Noncurrent Loans $301,000 Historic Data - December 2010 Assets $29.36 million Equity Capital $2.20 million Loan Loss Allowance $153,000 Unbacked Noncurrent Loans $329,000 Profit Margin - Quarterly Net Interest Margin 7.76% Return on Assets 0.05% Return on Equity 0.63% Interest Income $1.37 million Non-Interest Income $325,000

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 Southern Teachers & Parents Credit Union had $301,000 in non-current loans and owned real-estate with $2.34 million in equity and loan loss allowances on hand to cover it. This gives Southern Teachers & Parents Credit Union a Texas Ratio of 12.87% 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 Southern Teachers & Parents Credit Union held steady from 14.01% as of December 31, 2010 to 12.87% as of December 31, 2011, resulting in a positive change of 8.12%.This indicates that the balance sheet and financial strength for Southern Teachers & Parents Credit Union has held steady in recent periods. Deposit Growth In the past year, Southern Teachers & Parents Credit Union has increased its total deposits by $38,000, resulting in 0.14% 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 Southern Teachers & Parents Credit Union has shown is 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. Southern Teachers & Parents Credit Union has $29.4 million in assets with $2.34 million in equity, resulting in a capitalization level of 7.96%, which is below average.

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