Max Credit Union
Major Rating Factors:
A current level of 5.5 percent of nonperforming loans to core capital combined with 5.5 percent from a year earlier contributes to the Excellent asset quality (7.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.9 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 13.1. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Fair (4.3) profitability.
Asset Mix:
Consumer loans (27%), home mtgs (10%), other (63%)
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
400 Eastdale Circle
Montgomery, AL 36117
Montgomery, AL 36117
Phone Number
(334) 260-2600
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Montgomery, AL
Montgomery, AL
Montgomery, AL
Montgomery, AL