Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 25.4 and a net worth ratio of 25.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.5, driven by a liquidity ratio of 34.1 percent and a “hot money” ratio of 14.2 percent.
Asset Mix:
Consumer loans (40%), home mtgs (15%), other (44%)
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
313 South Martin Street
Warren, AR 71671
Warren, AR 71671
Phone Number
(870) 226-3534
NCUA Charter Number
Website
Largest Competitors
Little Rock, AR
Little Rock, AR
Blytheville, AR
Texarkana, AR
Fort Smith, AR