Major Rating Factors:
A current level of 5.8 percent of nonperforming loans to core capital combined with 4.4 percent from a year earlier contributes to the Excellent asset quality (7.8). Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0.
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 (6.0 on a scale of 0 to 10). Fair liquidity 3.6, driven by a liquidity ratio of 19.8 percent and a “hot money” ratio of 5.5 percent.
Asset Mix:
Consumer loans (33%), home mtgs (7%), other (60%)
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
2100 East Exchange Place
Tucker, GA 30084
Tucker, GA 30084
Phone Number
(470) 514-3000
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Warner Robins, GA
Atlanta, GA
Atlanta, GA
Duluth, GA