Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 27.7 and a net worth ratio of 27.7. A current level of 0.9 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (8.8).
Asset Mix:
Consumer loans (48%), home mtgs (2%), other (50%)
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
12501 South River Road
Luling, LA 70070
Luling, LA 70070
Phone Number
(985) 785-3350
NCUA Charter Number
Website
Largest Competitors
Bossier City, LA
Baton Rouge, LA
Baton Rouge, LA
Baton Rouge, LA
Baton Rouge, LA