Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (4.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 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 9.9. A current level of 6.9 percent of nonperforming loans to core capital contributes to the Good asset quality (5.6).
Asset Mix:
Consumer loans (63%), securities (5%), home mtgs (2%), 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
1114 Ferguson Drive
Benton, AR 72015
Benton, AR 72015
Phone Number
(501) 315-3162
NCUA Charter Number
Website
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