Southwest Louisiana 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 (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.6 has resulted in Good (6.5) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.8 and a net worth ratio of 15.8. A current level of 5.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.5).
Asset Mix:
Consumer loans (41%), home mtgs (26%), comm loans (4%), other (30%)
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
2255 East McNeese Street
Lake Charles, LA 70607
Lake Charles, LA 70607
Phone Number
(337) 477-9190
NCUA Charter Number
Website
Largest Competitors
Lake Charles, LA
Lake Charles, LA
Lake Charles, LA
Lake Charles, LA
Lake Charles, LA