Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). A current level of 18.3 percent of nonperforming loans to core capital combined with 19.4 percent from a year earlier contributes to the Weak asset quality (2.5).
Other Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (2.7) profitability. Weak liquidity 2.7, driven by a liquidity ratio of 14.3 percent and a “hot money” ratio of 3.5 percent.
Asset Mix:
Consumer loans (80%), other (20%)
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
701 Barrow Street
Houma, LA 70360
Houma, LA 70360
Phone Number
(985) 872-2836
NCUA Charter Number
Website
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