Combined Federal Credit Union
Major Rating Factors:
A current level of 23.4 percent of nonperforming loans to core capital combined with 18.6 percent from a year earlier contributes to the Weak asset quality (2.4). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.0, driven by a liquidity ratio of 8.2 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Good (5.9) profitability.
Asset Mix:
Consumer loans (66%), other (34%)
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
203 Nash Street
Hot Springs, AR 71913
Hot Springs, AR 71913
Phone Number
(501) 623-7004
NCUA Charter Number
Website
Largest Competitors
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Little Rock, AR
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Hot Springs, AR