Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10). A current level of 6.8 percent of nonperforming loans to core capital combined with 22.4 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 17.6 and a net worth ratio of 17.6. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.3 has resulted in Good (6.5) profitability.
Asset Mix:
Consumer loans (66%), other (34%)
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
1006 Madison Avenue North
Douglas, GA 31533
Douglas, GA 31533
Phone Number
(912) 384-2866
NCUA Charter Number
Largest Competitors
Atlanta, GA
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Atlanta, GA
Douglas, GA