Major Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a net capital to total assets of 10.8 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.3 percent of nonperforming loans to core capital combined with 6.3 percent from a year earlier contributes to the Good asset quality (5.7). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Good (5.1) profitability.
Asset Mix:
Consumer loans (62%), securities (12%), 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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