Post Office Employee 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 Fair overall stability index (4.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.6 has resulted in Fair (4.6) profitability.
Other Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 0.0. Good liquidity 5.7, driven by a liquidity ratio of 29.5 percent and a “hot money” ratio of 6.8 percent.
Asset Mix:
Consumer loans (29%), home mtgs (7%), other (64%)
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
2443 Texas Avenue
Shreveport, LA 71103
Shreveport, LA 71103
Phone Number
(318) 222-1979
NCUA Charter Number
Website
Largest Competitors
Shreveport, LA
Shreveport, LA
Shreveport, LA
Shreveport, LA
Shreveport, LA