Major Rating Factors:
A current level of 7.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.5). Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 10.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.0 has resulted in Excellent (7.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (24%), home mtgs (23%), comm loans (2%), other (51%)
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
6705 Sugarloaf Parkway
Duluth, GA 30097
Duluth, GA 30097
Phone Number
(770) 493-4328
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Warner Robins, GA
Atlanta, GA
Peachtree Corners, GA
Duluth, GA