Cotton Belt Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.2 and a net worth ratio of 16.2. Operating profits as a percentage of assets at 3.4%, coupled with a return on assets of 2.3 has resulted in Excellent (7.8) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10). A current level of 30.6 percent of nonperforming loans to core capital contributes to the Weak asset quality (3.0).
Asset Mix:
Home mtgs (44%), consumer loans (27%), other (28%)
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
1703 River Pines Boulevard
Pine Bluff, AR 71601
Pine Bluff, AR 71601
Phone Number
(870) 535-6365
NCUA Charter Number
Website
Largest Competitors
Pine Bluff, AR
Pine Bluff, AR
Pine Bluff, AR
Pine Bluff, AR
Pine Bluff, AR