Major Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.8 has resulted in Good (6.2) profitability. A current level of 8.3 percent of nonperforming loans to core capital combined with 8.8 percent from a year earlier contributes to the Good asset quality (5.6).
Other Rating Factors:
Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 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 (4.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (48%), home mtgs (13%), other (39%)
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