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 (5.0 on a scale of 0 to 10). A current level of 13.0 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.2 and a net worth ratio of 14.2. Excellent liquidity 8.6, driven by a liquidity ratio of 99.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (7%), other (93%)
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
69 West Whitman Street
Toccoa, GA 30577
Toccoa, GA 30577
Phone Number
(706) 886-3532
NCUA Charter Number
Largest Competitors
Atlanta, GA
Warner Robins, GA
Toccoa, GA
Toccoa, GA