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 0.7%, coupled with a return on assets of 0.7 has resulted in Good (6.3) profitability.
Other Rating Factors:
Fair liquidity 3.4, driven by a liquidity ratio of 28.5 percent and a “hot money” ratio of 9.5 percent. A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.4).
Asset Mix:
Consumer loans (73%), other (27%)
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
2414 Ferrand Street
Monroe, LA 71201
Monroe, LA 71201
Phone Number
(318) 342-9722
NCUA Charter Number
Largest Competitors
Bossier City, LA
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Baton Rouge, LA
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Monroe, LA