Major Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.0 has resulted in Excellent (7.7) profitability. A current level of 7.6 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Good asset quality (6.4).
Other Rating Factors:
Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 8.1. Fair liquidity 4.6, driven by a liquidity ratio of 21.9 percent and a “hot money” ratio of 2.5 percent.
Asset Mix:
Consumer loans (42%), securities (18%), home mtgs (0%), other (40%)
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
2915 Pepperell Parkway
Opelika, AL 36801
Opelika, AL 36801
Phone Number
(334) 745-4711
NCUA Charter Number
Website
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