Major Rating Factors:
A current level of 5.5 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (8.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a net capital to total assets of 8.8 and a net worth ratio of 10.8. Fair liquidity 4.2, driven by a liquidity ratio of 25.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (18%), home mtgs (13%), other (69%)
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
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