Major Rating Factors:
A current level of 14.4 percent of nonperforming loans to core capital combined with 19.0 percent from a year earlier contributes to the Fair asset quality (4.9).
Other Rating Factors:
Fair liquidity 4.0, driven by a liquidity ratio of 25.0 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (57%), other (43%)
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
301 Darlington Drive
Rome, GA 30161
Rome, GA 30161
Phone Number
(706) 235-4481
NCUA Charter Number
Largest Competitors
Atlanta, GA
Warner Robins, GA
Rome, GA
Rome, GA
Rome, GA