Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10). A current level of 18.0 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.3).
Other Rating Factors:
Fair liquidity 4.2, driven by a liquidity ratio of 25.9 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 8.7.
Asset Mix:
Consumer loans (53%), home mtgs (8%), other (40%)
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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