Major Rating Factors:
A current level of 54.6 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.0). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Fair (3.6) profitability.
Other 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 (4.0 on a scale of 0 to 10). Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 6.6.
Asset Mix:
Consumer loans (47%), other (53%)
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