Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). A current level of 25.3 percent of nonperforming loans to core capital combined with 25.3 percent from a year earlier contributes to the Weak asset quality (2.5).
Other Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.9 has resulted in Fair (4.3) profitability. Good liquidity 5.4, driven by a liquidity ratio of 35.6 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (52%), other (48%)
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
27234 Highway 190
Lacombe, LA 70445
Lacombe, LA 70445
Phone Number
(985) 218-9505
NCUA Charter Number
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