Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.3 and a net worth ratio of 17.3. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.5 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Excellent asset quality (8.5). Excellent liquidity 8.3, driven by a liquidity ratio of 95.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (21%), other (79%)
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
1401 Cynthia Street
Franklin, LA 70538
Franklin, LA 70538
Phone Number
(337) 828-0143
NCUA Charter Number
Largest Competitors
Bossier City, LA
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