Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.1 and a net worth ratio of 14.1. A current level of 4.0 percent of nonperforming loans to core capital combined with 4.1 percent from a year earlier contributes to the Excellent asset quality (7.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). Fair liquidity 3.7, driven by a liquidity ratio of 24.1 percent and a “hot money” ratio of 1.8 percent.
Asset Mix:
Consumer loans (71%), other (29%)
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
550 Pontchartrain Drive
Slidell, LA 70458
Slidell, LA 70458
Phone Number
(985) 643-1237
NCUA Charter Number
Largest Competitors
Bossier City, LA
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Slidell, LA