Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.8 and a net worth ratio of 13.2. A current level of 0.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Good liquidity 5.0, driven by a liquidity ratio of 35.8 percent and a “hot money” ratio of 17.0 percent.
Asset Mix:
Securities (55%), consumer loans (11%), other (34%)
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
1808 Second Avenue, South
Irondale, AL 35210
Irondale, AL 35210
Phone Number
(205) 956-0678
NCUA Charter Number
Website
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