T E A Credit Union

T E A Credit Union is headquartered in Houma and is the 172^nd largest credit union in the state of Louisiana. It is also the 6,267^th largest credit union in the nation. It was established in 1967 and as of December of 2011, it had grown to 1 employees and 668 members. T E A Credit Union has a 2-star health rating.

Data for Q4 2011

Institution Statistics T E A NCUA # 18462 BankRate Report View Year Chartered 1967 Employees 1 Primary Regulator Assets and Liabilities Assets $2.22 million Loans $1.04 million Deposits $2.05 million Equity Capital $167,000 Loan Loss Allowance $88,000 Unbacked Noncurrent Loans $117,000 Historic Data - December 2010 Assets $2.30 million Equity Capital $149,000 Loan Loss Allowance $82,000 Unbacked Noncurrent Loans $73,000 Profit Margin - Quarterly Net Interest Margin 8.39% Return on Assets 0.77% Return on Equity 10.18% Interest Income $107,000 Non-Interest Income $18,000

Institution Health Overall Score: 2 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 T E A Credit Union had $117,000 in non-current loans and owned real-estate with $255,000 in equity and loan loss allowances on hand to cover it. This gives T E A Credit Union a Texas Ratio of 45.88% 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 T E A Credit Union increased slightly from 31.60% as of December 31, 2010 to 45.88% as of December 31, 2011, resulting in a negative change of 45.19%. This indicates that the balance sheet and financial strength for T E A Credit Union has declined slightly in recent periods. Deposit Growth In the past year, T E A Credit Union has decreased its total deposits by $-97,000, resulting in -4.52% 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 T E A 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. T E A Credit Union has $2.22 million in assets with $255,000 in equity, resulting in a capitalization level of 11.49%, which is above average.

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