Major Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 0.8 has resulted in Excellent (7.5) profitability. Good current capitalization (6.2 on a scale of 0 to 10) based on a net capital to total assets of 8.6 and a net worth ratio of 8.7.
Other Rating Factors:
A current level of 7.3 percent of nonperforming loans to core capital contributes to the Good asset quality (5.6). Fair liquidity 4.2, driven by a liquidity ratio of 17.3 percent and a “hot money” ratio of 3.2 percent.
Asset Mix:
Consumer loans (47%), securities (17%), home mtgs (0%), other (37%)
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
Largest Competitors
Huntsville, AL
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Opelika, AL