Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 34.1 and a net worth ratio of 34.1. Operating profits as a percentage of assets at 6.6%, coupled with a return on assets of 6.6 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 1.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9). Good liquidity 5.9, driven by a liquidity ratio of 76.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (42%), other (58%)
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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