Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.1) profitability.
Other Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Good asset quality (6.8). Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.6 and a net worth ratio of 8.1.
Asset Mix:
Consumer loans (53%), home mtgs (5%), 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
1125 Military Road
Benton, AR 72015
Benton, AR 72015
Phone Number
(501) 315-5626
NCUA Charter Number
Website
Largest Competitors
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