Major Rating Factors:
Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 10.2. A current level of 5.9 percent of nonperforming loans to core capital contributes to the Good asset quality (5.8).
Other Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Good (5.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (68%), securities (5%), home mtgs (1%), other (26%)
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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