Garland County Educators Federal Credit Union
Major Rating Factors:
A current level of 37.2 percent of nonperforming loans to core capital combined with 11.0 percent from a year earlier contributes to the Very Weak asset quality (0.7). Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 2.1 has resulted in Excellent (8.3) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.7 and a net worth ratio of 15.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (65%), other (35%)
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
190 Aviation Plaza
Hot Springs, AR 71913
Hot Springs, AR 71913
Phone Number
(501) 623-9230
NCUA Charter Number
Website
Largest Competitors
Little Rock, AR
Little Rock, AR
Blytheville, AR
Texarkana, AR
Hot Springs, AR