Major Rating Factors:
A current level of 10.2 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.6. Fair liquidity 3.6, driven by a liquidity ratio of 23.4 percent and a “hot money” ratio of 17.8 percent.
Asset Mix:
Consumer loans (54%), home mtgs (12%), 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
1221 US Highway 82 W
Leesburg, GA 31763
Leesburg, GA 31763
Phone Number
(229) 436-0869
NCUA Charter Number
Website
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