Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 11.5. A current level of 2.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4).
Other Rating Factors:
Good liquidity 6.7, driven by a liquidity ratio of 57.3 percent and a “hot money” ratio of 0.3 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 1.0 has resulted in Good (6.5) profitability.
Asset Mix:
Consumer loans (28%), securities (21%), home mtgs (0%), other (51%)
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
4673 US Highway 80 East
Savannah, GA 31410
Savannah, GA 31410
Phone Number
(912) 236-0919
NCUA Charter Number
Website
Largest Competitors
Savannah, GA
Savannah, GA
Savannah, GA
Savannah, GA
Savannah, GA