Development
C
Barksdale Federal Credit Union
Rating Date
March 2024
Net Capital
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Leverage
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Return On
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Assets
Capital
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Major 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 (4.9 on a scale of 0 to 10). Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 9.1.
Other Rating Factors: A current level of 13.4 percent of nonperforming loans to core capital combined with 8.0 percent from a year earlier contributes to the Good asset quality (5.6). Weak liquidity 2.9, driven by a liquidity ratio of 8.0 percent and a “hot money” ratio of 18.4 percent.
Asset Mix: Consumer loans (38%), home mtgs (16%), securities (2%), other (45%)
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
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Address
2701 Village Lane
Bossier City, LA 71112
Phone Number
(318) 549-8240
NCUA Charter Number