Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 25.6 and a net worth ratio of 25.6. A current level of 0.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 18.7%, coupled with a return on assets of 19.0 has resulted in Excellent (10.0) profitability. Good liquidity 6.5, driven by a liquidity ratio of 83.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (20%), other (80%)
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
112 Prairie Avenue
Eutaw, AL 35462
Eutaw, AL 35462
Phone Number
(205) 372-9025
NCUA Charter Number
Largest Competitors
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