Major Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.0 has resulted in Excellent (8.0) profitability. A current level of 8.8 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Good asset quality (6.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10). Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 9.3.
Asset Mix:
Consumer loans (23%), home mtgs (7%), other (70%)
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
238 Virginia Avenue
Daleville, AL 36322
Daleville, AL 36322
Phone Number
(334) 598-4411
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Birmingham, AL
Birmingham, AL
Montgomery, AL
Tuscaloosa, AL
