Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). A current level of 27.8 percent of nonperforming loans to core capital combined with 6.1 percent from a year earlier contributes to the Fair asset quality (3.6).
Other Rating Factors:
Fair current capitalization (4.4 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 6.8. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Fair (4.4) profitability.
Asset Mix:
Consumer loans (29%), other (71%)
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