Major Rating Factors:
A current level of 2.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8). Excellent current capitalization (8.5 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 10.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.2 has resulted in Excellent (8.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (27%), comm loans (27%), consumer loans (15%), 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
3501 North Valdosta Road
Valdosta, GA 31602
Valdosta, GA 31602
Phone Number
(229) 244-2732
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Valdosta, GA
Valdosta, GA
Valdosta, GA
Valdosta, GA