Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.8 and a net worth ratio of 0.0. A current level of 3.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.1).
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 (6.1 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 28.2 percent and a “hot money” ratio of 4.8 percent.
Asset Mix:
Consumer loans (42%), securities (1%), home mtgs (0%), other (57%)
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
407 South First Street
Jesup, GA 31545
Jesup, GA 31545
Phone Number
(912) 427-8924
NCUA Charter Number
Website
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