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 (2.3 on a scale of 0 to 10). Good current capitalization (5.2 on a scale of 0 to 10) based on a net capital to total assets of 7.5 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 8.3 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4). Good liquidity 6.5, driven by a liquidity ratio of 37.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (31%), home mtgs (4%), securities (3%), other (62%)
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