Major Rating Factors:
A current level of 10.7 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.5 has resulted in Excellent (8.2) profitability. Excellent current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.5.
Asset Mix:
Consumer loans (49%), home mtgs (7%), comm loans (5%), other (39%)
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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