Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Very Weak (0.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.8 percent of nonperforming loans to core capital contributes to the Good asset quality (5.9). Good liquidity 6.0, driven by a liquidity ratio of 71.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (33%), consumer loans (33%), other (35%)
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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