Alabama One Credit Union
Major Rating Factors:
Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 9.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.5 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Fair (4.1) profitability.
Asset Mix:
Comm loans (25%), home mtgs (22%), consumer loans (17%), other (37%)
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
1215 Veterans Memorial Parkway
Tuscaloosa, AL 35404
Tuscaloosa, AL 35404
Phone Number
(205) 759-1595
NCUA Charter Number
Website
Largest Competitors
Tuscaloosa, AL
Tuscaloosa, AL
Tuscaloosa, AL
Tuscaloosa, AL
Tuscaloosa, AL