Peoples CU (LA)

Peoples CU (LA) is headquartered in Rayne and is the 67^th largest credit union in the state of Louisiana. It is also the 3,284^th largest credit union in the nation. It was established in 1942 and as of December of 2011, it had grown to 4 employees and 3,196 members. Peoples CU (LA) has a 5-star health rating.

Peoples CU (LA) Savings Account Rates

Data for Q4 2011

Institution Statistics PEOPLE'S NCUA # 62564 BankRate Report View Year Chartered 1942 Employees 4 Primary Regulator Assets and Liabilities Assets $23.83 million Loans $5.69 million Deposits $19.54 million Equity Capital $4.27 million Loan Loss Allowance $12,000 Unbacked Noncurrent Loans $67,000 Historic Data - December 2010 Assets $23.31 million Equity Capital $4.26 million Loan Loss Allowance $16,000 Unbacked Noncurrent Loans $169,000 Profit Margin - Quarterly Net Interest Margin 5.26% Return on Assets 0.02% Return on Equity 0.12% Interest Income $571,000 Non-Interest Income $52,000

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 Peoples CU (LA) had $67,000 in non-current loans and owned real-estate with $4.28 million in equity and loan loss allowances on hand to cover it. This gives Peoples CU (LA) a Texas Ratio of 1.57% 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 Peoples CU (LA) decreased significantly from 3.95% as of December 31, 2010 to 1.57% as of December 31, 2011, resulting in a positive change of 60.37%.This indicates that the balance sheet and financial strength for Peoples CU (LA) has improved significantly in recent periods. Deposit Growth In the past year, Peoples CU (LA) has increased its total deposits by $548,000, resulting in 2.89% 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 Peoples CU (LA) 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. Peoples CU (LA) has $23.83 million in assets with $4.28 million in equity, resulting in a capitalization level of 17.96%, which is excellent.

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