GeoVista Federal Credit Union
Major Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital combined with 6.1 percent from a year earlier contributes to the Excellent asset quality (8.5). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Excellent (7.3) profitability.
Other Rating Factors:
Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 0.0. Fair liquidity 4.4, driven by a liquidity ratio of 26.1 percent and a “hot money” ratio of 6.6 percent.
Asset Mix:
Consumer loans (33%), securities (30%), home mtgs (8%), other (29%)
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
601 West Oglethorpe Highway
Hinesville, GA 31313
Hinesville, GA 31313
Phone Number
(912) 368-2477
NCUA Charter Number
Website
Largest Competitors
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