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 (1.7 on a scale of 0 to 10). Fair current capitalization (3.3 on a scale of 0 to 10) based on a net capital to total assets of 5.6 and a net worth ratio of 8.5.
Other Rating Factors:
Good liquidity 5.6, driven by a liquidity ratio of 37.8 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.3 has resulted in Excellent (8.6) profitability.
Asset Mix:
Consumer loans (45%), home mtgs (4%), securities (3%), other (48%)
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