Major Rating Factors:
A current level of 19.6 percent of nonperforming loans to core capital combined with 9.8 percent from a year earlier contributes to the Fair asset quality (4.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (9.5 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 11.2. Excellent liquidity 8.1, driven by a liquidity ratio of 84.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (25%), other (75%)
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
638 California Avenue, SW
Camden, AR 71701
Camden, AR 71701
Phone Number
(870) 836-1405
NCUA Charter Number
Largest Competitors
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