Access of Louisiana Federal Credit Union
Major Rating Factors:
A current level of 19.4 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0. Weak liquidity 2.9, driven by a liquidity ratio of 11.6 percent and a “hot money” ratio of 11.9 percent.
Asset Mix:
Consumer loans (36%), securities (19%), home mtgs (16%), other (30%)
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