Major Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.0). Excellent current capitalization (8.5 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 0.0.
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 (6.1 on a scale of 0 to 10). Fair liquidity 3.4, driven by a liquidity ratio of 16.6 percent and a “hot money” ratio of 5.1 percent.
Asset Mix:
Consumer loans (35%), home mtgs (8%), other (57%)
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
2100 East Exchange Place
Tucker, GA 30084
Tucker, GA 30084
Phone Number
(470) 514-3000
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Warner Robins, GA
Atlanta, GA
Atlanta, GA
Duluth, GA