Carter 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 (2.0 on a scale of 0 to 10). A current level of 32.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.3).
Other Rating Factors:
Fair liquidity 3.0, driven by a liquidity ratio of 29.2 percent and a “hot money” ratio of 32.7 percent. Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.7 and a net worth ratio of 8.7.
Asset Mix:
Home mtgs (36%), consumer loans (21%), comm loans (9%), other (35%)
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
133 S Main Street
Springhill, LA 71075
Springhill, LA 71075
Phone Number
(318) 539-4655
NCUA Charter Number
Website
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