Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Weak (2.3) profitability. A current level of 16.5 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.8).
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 (4.4 on a scale of 0 to 10). Good liquidity 5.1, driven by a liquidity ratio of 38.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (51%), other (49%)
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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