Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). A current level of 13.1 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Other Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.7 has resulted in Fair (4.8) profitability. Good liquidity 5.3, driven by a liquidity ratio of 43.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (57%), other (43%)
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