East Baton Rouge Teachers Federal Credit Union
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 (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.4 has resulted in Weak (2.9) profitability.
Other Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Good asset quality (5.2). Good liquidity 5.7, driven by a liquidity ratio of 35.8 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (50%), other (50%)
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
4836 Plank Road
Baton Rouge, LA 70805
Baton Rouge, LA 70805
Phone Number
(225) 355-8896
NCUA Charter Number
Website
Largest Competitors
Baton Rouge, LA
Baton Rouge, LA
Baton Rouge, LA
Baton Rouge, LA
Baton Rouge, LA