Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.5 has resulted in Very Weak (0.5) profitability. A current level of 19.2 percent of nonperforming loans to core capital combined with 48.4 percent from a year earlier contributes to the Weak asset quality (2.7).
Other 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 (4.2 on a scale of 0 to 10). Fair liquidity 4.9, driven by a liquidity ratio of 35.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (53%), other (47%)
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
109 Serio Boulevard
Ferriday, LA 71334
Ferriday, LA 71334
Phone Number
(318) 757-6171
NCUA Charter Number
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