Major Rating Factors:
A current level of 11.2 percent of nonperforming loans to core capital combined with 11.2 percent from a year earlier contributes to the Fair asset quality (4.7). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.1 has resulted in Fair (3.9) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.9 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 Good overall stability index (5.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (47%), home mtgs (1%), other (52%)
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
102 East Force Street
Valdosta, GA 31601
Valdosta, GA 31601
Phone Number
(229) 247-9930
NCUA Charter Number
Largest Competitors
Atlanta, GA
Valdosta, GA
Valdosta, GA
Valdosta, GA
Valdosta, GA