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SAFE & SOUND® STAR RATINGS

Financial statement

CARTER
PO Box 814
Springhill, LA 71075

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2012
Credit Union ID 9164




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$212,762$200,566$202,471
Loans Receivable, Net163,505152,701161,902
Investments21,11511,52321,431
Shares & Deposits178,497174,034164,758
Borrowings18,46111,31922,600
Equity14,76214,31514,604
Net Income447-2671,206
Ratio Analysis Capitalization%%%
Net Capital / Assets6.947.147.21
Capital / Assets7.327.587.66
Asset Quality%%%
Nonperforming Assets / Assets0.780.931.10
Nonperforming Assets / Equity & Loss Reserves10.5912.2514.33
Loss Reserves / Nonperforming Loans56.88
Credit Card Loans / Assets1.921.941.51
Earnings%%%
Return on Assets *0.22-0.130.63
Efficiency Ratio92.893.8883.28
Overhead / Assets *5.035.195.02
Liquidity%%%
Loans / Deposits91.6087.7498.27
Cash + Equivalents / Assets5.9612.023.83

* Calculations are based on the latest four quarters of income and expense.
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CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.41% 0.45%
1 yr CD
0.62% 0.67%
5 yr CD
1.23% 1.24%
1 yr jumbo CD
0.65% 0.64%
Compare rates:
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