Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.0 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (9.9). Fair liquidity 3.2, driven by a liquidity ratio of 14.5 percent and a “hot money” ratio of 16.4 percent.
Asset Mix:
Consumer loans (34%), home mtgs (13%), other (52%)
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
3650 Community Road
Brunswick, GA 31520
Brunswick, GA 31520
Phone Number
(912) 279-2000
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Warner Robins, GA
Atlanta, GA
Atlanta, GA
Brunswick, GA