Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 20.0 and a net worth ratio of 20.0. A current level of 2.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6).
Other 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 (7.6 on a scale of 0 to 10). Excellent liquidity 7.6, driven by a liquidity ratio of 50.0 percent and a “hot money” ratio of 5.2 percent.
Asset Mix:
Consumer loans (13%), home mtgs (5%), other (82%)
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
1625 Lutcher Avenue
Lutcher, LA 70071
Lutcher, LA 70071
Phone Number
(225) 869-9762
NCUA Charter Number
Website
Largest Competitors
Bossier City, LA
Baton Rouge, LA
Baton Rouge, LA
Metairie, LA
Baton Rouge, LA