Sixth Avenue Baptist Federal Credit Union
Major Rating Factors:
A current level of 111.4 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 19.3 percent and a “hot money” ratio of 0.0 percent. Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 9.6.
Asset Mix:
Consumer loans (47%), home mtgs (14%), other (39%)
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