Xavier University Employees Federal Credit Union
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 (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 6.4%, coupled with a return on assets of 6.4 has resulted in Good (6.0) profitability.
Other Rating Factors:
Good liquidity 6.2, driven by a liquidity ratio of 60.3 percent and a “hot money” ratio of 0.0 percent. A current level of 10.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Asset Mix:
Securities (37%), consumer loans (29%), other (34%)
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
909 S Norman C Francis Pkwy
New Orleans, LA 70125
New Orleans, LA 70125
Phone Number
(504) 520-7640
NCUA Charter Number
Largest Competitors
New Orleans, LA
New Orleans, LA
New Orleans, LA
New Orleans, LA
New Orleans, LA