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SAFE & SOUND® STAR RATINGS

CARTER

PO Box 814
Springhill, LA 71075

STAR RATING: 2 starstar
Predictive Indicator + (improve)
As of December 31, 2014
Credit Union ID 9164




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$244,237$229,549$212,762
Loans Receivable, Net200,600177,014163,505
Investments21,91729,32821,115
Shares & Deposits196,055184,791178,497
Borrowings31,28228,45018,461
Equity16,21315,35914,762
Net Income1,052596447
Ratio Analysis Capitalization%%%
Net Capital / Assets6.646.696.94
Capital / Assets7.087.117.32
Asset Quality%%%
Nonperforming Assets / Assets1.150.870.78
Nonperforming Assets / Equity & Loss Reserves16.2512.2510.59
Loss Reserves / Nonperforming Loans41.8754.6356.88
Credit Card Loans / Assets2.102.071.92
Earnings%%%
Return on Assets *0.440.270.22
Efficiency Ratio84.3888.7492.8
Overhead / Assets *4.424.675.03
Liquidity%%%
Loans / Deposits102.3295.7991.60
Cash + Equivalents / Assets2.773.735.96

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