Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10). Fair current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.3 and a net worth ratio of 0.0.
Other Rating Factors:
Good liquidity 6.1, driven by a liquidity ratio of 27.3 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.7 has resulted in Excellent (7.8) profitability.
Asset Mix:
Consumer loans (35%), home mtgs (4%), securities (3%), other (58%)
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
568 Liberty Hill Road
Toccoa, GA 30577
Toccoa, GA 30577
Phone Number
(762) 348-6808
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Warner Robins, GA
Toccoa, GA
Toccoa, GA