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 (3.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 0.3 has resulted in Good (5.4) profitability.
Other Rating Factors:
A current level of 5.6 percent of nonperforming loans to core capital contributes to the Good asset quality (5.9). Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (47%), securities (17%), home mtgs (0%), other (35%)
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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