Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.8 has resulted in Weak (1.7) profitability. A current level of 7.3 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
Weak liquidity 2.8, driven by a liquidity ratio of 19.8 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (67%), other (33%)
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
6217 Highway 15
Gilbert, LA 71336
Gilbert, LA 71336
Phone Number
(318) 412-3146
NCUA Charter Number
Largest Competitors
Bossier City, LA
Baton Rouge, LA
Baton Rouge, LA
Metairie, LA
Baton Rouge, LA