Bayou Community 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 (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.4 has resulted in Fair (3.2) profitability.
Other Rating Factors:
A current level of 18.0 percent of nonperforming loans to core capital combined with 5.0 percent from a year earlier contributes to the Fair asset quality (3.6). Fair liquidity 3.8, driven by a liquidity ratio of 25.7 percent and a “hot money” ratio of 12.9 percent.
Asset Mix:
Consumer loans (52%), home mtgs (6%), other (42%)
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
6190 Highway 74
Saint Gabriel, LA 70776
Saint Gabriel, LA 70776
Phone Number
(225) 642-8663
NCUA Charter Number
Website
Largest Competitors
Bossier City, LA
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