Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.9 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (4.0 on a scale of 0 to 10) based on a net capital to total assets of 6.3 and a net worth ratio of 0.0. Good liquidity 6.0, driven by a liquidity ratio of 32.3 percent and a “hot money” ratio of 1.4 percent.
Asset Mix:
Consumer loans (20%), home mtgs (10%), other (70%)
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
1001 Spring Hill Avenue
Mobile, AL 36604
Mobile, AL 36604
Phone Number
(251) 438-7464
NCUA Charter Number
Website
Largest Competitors
Mobile, AL
Mobile, AL
Mobile, AL
Mobile, AL