Pelican State Credit Union
Major Rating Factors:
A current level of 13.4 percent of nonperforming loans to core capital combined with 11.2 percent from a year earlier contributes to the Good asset quality (5.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 10.1. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 0.8 has resulted in Good (6.2) profitability.
Asset Mix:
Consumer loans (48%), home mtgs (14%), other (38%)
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
2675 O’Neal Lane
Baton Rouge, LA 70816
Baton Rouge, LA 70816
Phone Number
(225) 408-6496
NCUA Charter Number
Website
Largest Competitors
Baton Rouge, LA
Baton Rouge, LA
Baton Rouge, LA
Baton Rouge, LA
Baton Rouge, LA
