U B C Southern Council Industria Wo Credit Union

U B C Southern Council Industria Wo Credit Union is headquartered in MINDEN and is the 203^rd largest credit union in the state of Louisiana. It is also the 6,879^th largest credit union in the nation. It was established in 1975 and as of December of 2011, it had grown to employees and 354 members. U B C Southern Council Industria Wo Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics U B C SOUTHERN COUNCIL INDUSTRIA WO NCUA # 22219 BankRate Report View Year Chartered 1975 Employees 0 Primary Regulator Assets and Liabilities Assets $605,000 Loans $428,000 Deposits $347,000 Equity Capital $238,000 Loan Loss Allowance $4,000 Unbacked Noncurrent Loans $1,000 Historic Data - December 2010 Assets $561,000 Equity Capital $240,000 Loan Loss Allowance $2,000 Unbacked Noncurrent Loans $4,000 Profit Margin - Quarterly Net Interest Margin 9.52% Return on Assets -0.33% Return on Equity -0.84% Interest Income $43,000 Non-Interest Income $6,000

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 U B C Southern Council Industria Wo Credit Union had $1,000 in non-current loans and owned real-estate with $242,000 in equity and loan loss allowances on hand to cover it. This gives U B C Southern Council Industria Wo Credit Union a Texas Ratio of 0.41% 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 U B C Southern Council Industria Wo Credit Union decreased significantly from 1.65% as of December 31, 2010 to 0.41% as of December 31, 2011, resulting in a positive change of 75.00%.This indicates that the balance sheet and financial strength for U B C Southern Council Industria Wo Credit Union has improved significantly in recent periods. Deposit Growth In the past year, U B C Southern Council Industria Wo Credit Union has increased its total deposits by $72,000, resulting in 26.18% 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 U B C Southern Council Industria Wo 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. U B C Southern Council Industria Wo Credit Union has $605,000 in assets with $242,000 in equity, resulting in a capitalization level of 40.00%, which is excellent.

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