La Trobe University Credit Union

Meetings & Annual Report

Prudential Disclosure

Credit Union Foundation Australia

Mutual Banking Code of Practice

Prudential Disclosure

LATROBE UNIVERSITY CREDIT UNION LTD
Disclosure of Credit Risk Information and Capital Adequacy
In accordance with APRA Prudential Standard APS 330

Capital structure - ANNUAL DISCLOSURE
As at 31 March 2010
						$,000
Tier 1 capital
General reserve						1,646
Current years earnings						94
Less deductions from tier 1 capital
- intangible assets						(164)
- other						(81)
Tier 1 capital (net of deductions)						1,495
Tier 2 capital
Tier 2 capital (net of deductions)						28
Total capital base						1,523

Capital Adequacy - QUARTERLY DISCLOSURE
As at 30 June 2010
Risk weighted exposures
						Risk weighted exposure
						$,000
Capital requirements -
- for credit risk
Deposits with banks and ADIs						1,745
Loans and advances
Claims secured by residential mortgage						5,314
Other members loans						2,285
Commitments for loans and advances
- Loans approved not advanced						29
- Loan redraw facilities						128
- for other assets						160
- for operational risk						1,488
Total risk weighted exposures						11,151

Credit Union capital base
- Net tier 1 capital						1,564
- Total capital base						1,590

Capital adequacy ratio
- on net tier 1 capital						14.02%
- on total capital base						14.26%

Credit risk - QUARTERLY DISCLOSURE
For the three month period ended 30 June 2010
	Gross exposures at reporting date	Average gross exposures for the period	Impaired facilities	90 days past due	Specific provisions balance	Charge for specific provisions and write-offs for the period
	$,000	$,000	$,000	$,000	$,000	$,000
Deposits with banks or ADIs	7,919	6,463	-	-	-	-
Loans and advances:
On balance sheet:
- secured by residential mortgage	14,964	15,264	-	-	-	-
- other members loans	2,290	2,224	7	7	5	0
Off balance sheet commitments:
- loans approved not advanced	84	149	-	-	-	-
- loan redraw limits	733	704	-	-	-	-
- revocable overdraft limits	222	213	-	-	-	-
- other irrevocable standby commitments	825	783	-	-	-	-
Total loans and advances	18,293	18,554	7	7	5	0

The General Reserve for Credit Losses at reporting date is ($000):					$60

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