Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.9 and a net worth ratio of 20.0. A current level of 9.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8).
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 (6.7 on a scale of 0 to 10). Fair liquidity 4.1, driven by a liquidity ratio of 22.4 percent and a “hot money” ratio of 3.1 percent.
Asset Mix:
Consumer loans (32%), home mtgs (19%), comm loans (2%), other (47%)
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
1101 Main Street
Crossett, AR 71635
Crossett, AR 71635
Phone Number
(870) 304-3200
NCUA Charter Number
Website
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