SAFE & SOUND® STAR RATINGS

Financial statement

CARTER
PO Box 814
Springhill, LA 71075

STAR RATING: 2 starstar
Predictive Indicator neutral
As of December 31, 2013
Credit Union ID 9164




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$229,549$212,762$200,566
Loans Receivable, Net177,014163,505152,701
Investments29,32821,11511,523
Shares & Deposits184,791178,497174,034
Borrowings28,45018,46111,319
Equity15,35914,76214,315
Net Income596447-267
Ratio Analysis Capitalization%%%
Net Capital / Assets6.696.947.14
Capital / Assets7.117.327.58
Asset Quality%%%
Nonperforming Assets / Assets0.870.780.93
Nonperforming Assets / Equity & Loss Reserves12.2510.5912.25
Loss Reserves / Nonperforming Loans54.6356.88
Credit Card Loans / Assets2.071.921.94
Earnings%%%
Return on Assets *0.270.22-0.13
Efficiency Ratio88.7492.893.88
Overhead / Assets *4.675.035.19
Liquidity%%%
Loans / Deposits95.7991.6087.74
Cash + Equivalents / Assets3.735.9612.02

* Calculations are based on the latest four quarters of income and expense.
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