Tulane/Loyola Credit Union

Tulane/Loyola Credit Union is headquartered in New Orleans and is the 80^th largest credit union in the state of Louisiana. It is also the 3,758^th largest credit union in the nation. It was established in 1979 and as of December of 2011, it had grown to 8 employees and 4,839 members. Tulane/Loyola Credit Union has a 4-star health rating.

Tulane/Loyola Credit Union Checking Account Rates

Tulane/Loyola Credit Union Savings Account Rates

Data for Q4 2011

Institution Statistics TULANE/LOYOLA NCUA # 23540 BankRate Report View Year Chartered 1979 Employees 8 Primary Regulator Assets and Liabilities Assets $17.63 million Loans $7.54 million Deposits $15.51 million Equity Capital $1.63 million Loan Loss Allowance $106,000 Unbacked Noncurrent Loans $316,000 Historic Data - December 2010 Assets $13.11 million Equity Capital $1.25 million Loan Loss Allowance $114,000 Unbacked Noncurrent Loans $204,000 Profit Margin - Quarterly Net Interest Margin 8.1% Return on Assets -0.26% Return on Equity -2.83% Interest Income $650,000 Non-Interest Income $483,000

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 Tulane/Loyola Credit Union had $316,000 in non-current loans and owned real-estate with $1.73 million in equity and loan loss allowances on hand to cover it. This gives Tulane/Loyola Credit Union a Texas Ratio of 18.22% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Tulane/Loyola Credit Union held steady from 15.00% as of December 31, 2010 to 18.22% as of December 31, 2011, resulting in a negative change of 21.49%. This indicates that the balance sheet and financial strength for Tulane/Loyola Credit Union has held steady in recent periods. Deposit Growth In the past year, Tulane/Loyola Credit Union has increased its total deposits by $4.12 million, resulting in 36.11% 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 Tulane/Loyola Credit Union has shown is excellent. 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. Tulane/Loyola Credit Union has $17.63 million in assets with $1.73 million in equity, resulting in a capitalization level of 9.84%, which is average.

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