Major 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 (5.6 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.0, driven by a liquidity ratio of 29.6 percent and a “hot money” ratio of 15.3 percent. A current level of 4.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.0).
Asset Mix:
Consumer loans (55%), other (45%)
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) 767-5494
NCUA Charter Number
Largest Competitors
Atlanta, GA
Warner Robins, GA
Rome, GA
Rome, GA
Rome, GA