Centric Federal Credit Union
Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.0 percent of nonperforming loans to core capital combined with 7.4 percent from a year earlier contributes to the Good asset quality (6.1). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.3 has resulted in Fair (4.1) profitability.
Asset Mix:
Consumer loans (42%), home mtgs (18%), other (40%)
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
213 Expo Circle
West Monroe, LA 71292
West Monroe, LA 71292
Phone Number
(318) 340-9656
NCUA Charter Number
Website
Largest Competitors
Bossier City, LA
Baton Rouge, LA
West Monroe, LA
West Monroe, LA
West Monroe, LA