Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.7 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (40%), home mtgs (1%), other (58%)
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
1705 East 17th Street
Sheffield, AL 35660
Sheffield, AL 35660
Phone Number
(256) 383-6551
NCUA Charter Number
Website
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