Major Rating Factors:
A current level of 40.4 percent of nonperforming loans to core capital combined with 40.4 percent from a year earlier contributes to the Very Weak asset quality (0.7). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Weak (1.4) profitability.
Other 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 (2.3 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 23.5 percent and a “hot money” ratio of 5.5 percent.
Asset Mix:
Consumer loans (69%), other (31%)
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
7220 Main Street
Houma, LA 70360
Houma, LA 70360
Phone Number
(985) 876-6269
NCUA Charter Number
Website
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