Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 47.5 and a net worth ratio of 0.0. A current level of 1.1 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (9.8).
Other Rating Factors:
Excellent liquidity 7.7, driven by a liquidity ratio of 60.1 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (6.8) profitability.
Asset Mix:
Consumer loans (19%), other (81%)
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
222 Arkansas Avenue
Bogalusa, LA 70427
Bogalusa, LA 70427
Phone Number
(985) 735-3900
NCUA Charter Number
Largest Competitors
Bossier City, LA
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Bogalusa, LA