Sixth Avenue Baptist Federal Credit Union
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 (1.7 on a scale of 0 to 10). A current level of 22.3 percent of nonperforming loans to core capital combined with 25.3 percent from a year earlier contributes to the Weak asset quality (2.7).
Other Rating Factors:
Fair liquidity 4.4, driven by a liquidity ratio of 21.2 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 5.7%, coupled with a return on assets of 5.8 has resulted in Good (6.3) profitability.
Asset Mix:
Consumer loans (45%), home mtgs (14%), other (41%)
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
1101 Martin Luther King Jr. Drive, SW
Birmingham, AL 35211
Birmingham, AL 35211
Phone Number
(205) 322-6654
NCUA Charter Number
Largest Competitors
Birmingham, AL
Birmingham, AL
Birmingham, AL
Birmingham, AL
Birmingham, AL