W B R T Credit Union

W B R T Credit Union is headquartered in PORT ALLEN and is the 176^th largest credit union in the state of Louisiana. It is also the 6,371^st largest credit union in the nation. It was established in 1959 and as of December of 2011, it had grown to 2 employees and 883 members. W B R T Credit Union has a 5-star health rating.

Data for Q4 2011

Institution Statistics W B R T NCUA # 12735 BankRate Report View Year Chartered 1959 Employees 2 Primary Regulator Assets and Liabilities Assets $1.90 million Loans $860,000 Deposits $1.30 million Equity Capital $590,000 Loan Loss Allowance $47,000 Unbacked Noncurrent Loans $56,000 Historic Data - December 2010 Assets $1.84 million Equity Capital $625,000 Loan Loss Allowance $59,000 Unbacked Noncurrent Loans $75,000 Profit Margin - Quarterly Net Interest Margin 11.48% Return on Assets -1.79% Return on Equity -5.76% Interest Income $108,000 Non-Interest Income $14,000

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 W B R T Credit Union had $56,000 in non-current loans and owned real-estate with $637,000 in equity and loan loss allowances on hand to cover it. This gives W B R T Credit Union a Texas Ratio of 8.79% 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 W B R T Credit Union decreased slightly from 10.96% as of December 31, 2010 to 8.79% as of December 31, 2011, resulting in a positive change of 19.82%.This indicates that the balance sheet and financial strength for W B R T Credit Union has improved slightly in recent periods. Deposit Growth In the past year, W B R T Credit Union has increased its total deposits by $88,000, resulting in 7.27% 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 W B R T 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. W B R T Credit Union has $1.9 million in assets with $637,000 in equity, resulting in a capitalization level of 33.51%, which is excellent.

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