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 (4.8 on a scale of 0 to 10). A current level of 28.3 percent of nonperforming loans to core capital combined with 16.3 percent from a year earlier contributes to the Fair asset quality (3.4).
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 10.7. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.2 has resulted in Excellent (7.8) profitability.
Asset Mix:
Consumer loans (37%), home mtgs (14%), other (49%)
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
433 Moreland Avenue, NE
Atlanta, GA 30307
Atlanta, GA 30307
Phone Number
(404) 525-0619
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Atlanta, GA
Atlanta, GA
Atlanta, GA
Atlanta, GA