Major Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Excellent (7.1) profitability. A current level of 6.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10). Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 9.2.
Asset Mix:
Consumer loans (47%), home mtgs (15%), comm loans (8%), other (30%)
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
1307 Redmond Road
Rome, GA 30165
Rome, GA 30165
Phone Number
(706) 235-8551
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Warner Robins, GA
Rome, GA
Rome, GA
Rome, GA