Major Rating Factors:
A current level of 2.1 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (8.8). Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 10.5.
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 (6.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.9 has resulted in Good (5.9) profitability.
Asset Mix:
Consumer loans (52%), securities (11%), home mtgs (4%), other (34%)
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
1085 West Lathrop Avenue
Savannah, GA 31415
Savannah, GA 31415
Phone Number
(912) 236-4400
NCUA Charter Number
Website
Largest Competitors
Savannah, GA
Savannah, GA
Savannah, GA
Savannah, GA
Savannah, GA