Major 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 (5.6 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.1, driven by a liquidity ratio of 34.1 percent and a “hot money” ratio of 0.0 percent. A current level of 4.2 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0).
Asset Mix:
Consumer loans (69%), other (31%)
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
2400 Hospital Road
Tuskegee, AL 36083
Tuskegee, AL 36083
Phone Number
(334) 727-4176
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Birmingham, AL
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Tuskegee, AL