Combined Federal Credit Union
Major 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 (3.0 on a scale of 0 to 10). A current level of 18.9 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.2).
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 13.0 percent and a “hot money” ratio of 21.5 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Good (5.2) profitability.
Asset Mix:
Consumer loans (59%), home mtgs (5%), other (36%)
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
Little Rock, AR
Little Rock, AR
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Hot Springs, AR