Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 54.5 and a net worth ratio of 54.5. A current level of 0.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9).
Other Rating Factors:
Operating profits as a percentage of assets at 4.5%, coupled with a return on assets of 4.5 has resulted in Excellent (7.3) profitability. Good liquidity 6.7, driven by a liquidity ratio of 116.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (39%), other (61%)
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
106 East Washington Street
Demopolis, AL 36732
Demopolis, AL 36732
Phone Number
(334) 289-4686
NCUA Charter Number
Website
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