Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.4 and a net worth ratio of 13.6. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Excellent (8.6) profitability.
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Comm loans (45%), consumer loans (16%), home mtgs (15%), other (24%)
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
5070 Peachtree Industrial Boulevard
Norcross, GA 30071
Norcross, GA 30071
Phone Number
(770) 441-9235
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
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