Development
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.9 and a net worth ratio of 19.9. 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).
Other Rating Factors:
Excellent liquidity 7.0, driven by a liquidity ratio of 37.8 percent and a “hot money” ratio of 3.9 percent. A current level of 7.8 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Good asset quality (6.7).
Asset Mix:
Consumer loans (18%), home mtgs (6%), other (76%)
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
1625 Lutcher Avenue
Lutcher, LA 70071
Lutcher, LA 70071
Phone Number
(225) 869-9762
NCUA Charter Number
Website
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