Family Savings Credit Union
Major Rating Factors:
A current level of 8.6 percent of nonperforming loans to core capital combined with 6.3 percent from a year earlier contributes to the Good asset quality (6.8). Good current capitalization (6.0 on a scale of 0 to 10) based on a net capital to total assets of 8.4 and a net worth ratio of 8.5.
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.6 has resulted in Good (5.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (42%), home mtgs (13%), 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
Corporate Info
Address
205 Rescia Avenue
Rainbow City, AL 35906
Rainbow City, AL 35906
Phone Number
(256) 547-8190
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Birmingham, AL
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Montgomery, AL