Major Rating Factors:
A current level of 24.2 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.6 has resulted in Good (5.8) 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 31.4 and a net worth ratio of 31.4. Excellent liquidity 7.3, driven by a liquidity ratio of 87.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (22%), other (78%)
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
818 12th Street
Lafayette, LA 70501
Lafayette, LA 70501
Phone Number
(337) 593-0591
NCUA Charter Number
Largest Competitors
Lafayette, LA
Lafayette, LA
Lafayette, LA
Lafayette, LA
Lafayette, LA