Access of Louisiana Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (1.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.5 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 22.8 percent and a “hot money” ratio of 11.0 percent. A current level of 15.8 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Fair asset quality (4.7).
Asset Mix:
Consumer loans (36%), securities (17%), home mtgs (16%), other (31%)
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
519 Kirby Street
Lake Charles, LA 70601
Lake Charles, LA 70601
Phone Number
(337) 533-1808
NCUA Charter Number
Website
Largest Competitors
Lake Charles, LA
Lake Charles, LA
Lake Charles, LA
Lake Charles, LA
Lake Charles, LA