Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Weak (1.1) profitability. A current level of 24.4 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.1).
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 26.2 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (70%), 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
4101 Highway 108
Westlake, LA 70669
Westlake, LA 70669
Phone Number
(337) 439-7333
NCUA Charter Number
Largest Competitors
Bossier City, LA
Baton Rouge, LA
Baton Rouge, LA
Metairie, LA
Westlake, LA