Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.0 has resulted in Weak (1.3) profitability.
Other Rating Factors:
Fair liquidity 3.1, driven by a liquidity ratio of 11.3 percent and a “hot money” ratio of 7.5 percent. A current level of 14.2 percent of nonperforming loans to core capital combined with 14.2 percent from a year earlier contributes to the Fair asset quality (3.4).
Asset Mix:
Consumer loans (61%), home mtgs (8%), other (31%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
820 Main Street
Pineville, LA 71360
Pineville, LA 71360
Phone Number
(318) 443-1200
NCUA Charter Number
Website
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