The Southern Credit Union
Major Rating Factors:
A current level of 0.3 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (10.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Other Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 10.9. Fair liquidity 4.7, driven by a liquidity ratio of 12.5 percent and a “hot money” ratio of 6.6 percent.
Asset Mix:
Consumer loans (26%), home mtgs (8%), other (66%)
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
430 East Lanier Avenue
Fayetteville, GA 30214
Fayetteville, GA 30214
Phone Number
(770) 719-1111
NCUA Charter Number
Website
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