Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.1 and a net worth ratio of 7.1. Good liquidity 5.2, driven by a liquidity ratio of 42.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (60%), other (40%)
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
1592 Norman Drive
Valdosta, GA 31601
Valdosta, GA 31601
Phone Number
(229) 244-4513
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Valdosta, GA
Valdosta, GA
Valdosta, GA
Valdosta, GA