Major Rating Factors:
A current level of 56.8 percent of nonperforming loans to core capital combined with 27.8 percent from a year earlier contributes to the Very Weak asset quality (0.3). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.0 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.4, driven by a liquidity ratio of 42.3 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (36%), other (64%)
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
701 East Pinhook Road
Lafayette, LA 70501
Lafayette, LA 70501
Phone Number
(337) 504-3502
NCUA Charter Number
Website
Largest Competitors
Lafayette, LA
Lafayette, LA
Lafayette, LA
Lafayette, LA
Lafayette, LA