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 (5.0 on a scale of 0 to 10). A current level of 7.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.1).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 32.3 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (9.0) profitability.
Asset Mix:
Consumer loans (49%), home mtgs (0%), other (51%)
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
303 South Main Street
Jennings, LA 70546
Jennings, LA 70546
Phone Number
(337) 824-5812
NCUA Charter Number
Largest Competitors
Bossier City, LA
Baton Rouge, LA
Baton Rouge, LA
Metairie, LA
Baton Rouge, LA