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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.0 has resulted in Fair (4.7) profitability.
Other Rating Factors:
Good liquidity 5.8, driven by a liquidity ratio of 64.1 percent and a “hot money” ratio of 0.0 percent. A current level of 12.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4).
Asset Mix:
Consumer loans (34%), securities (32%), other (34%)
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
Hightway 317
Franklin, LA 70538
Franklin, LA 70538
Phone Number
(337) 836-2219
NCUA Charter Number
Largest Competitors
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