North Alabama Educators Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.1) profitability. Very Weak current capitalization (0.6 on a scale of 0 to 10) based on a net capital to total assets of 4.0 and a net worth ratio of 7.6.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10). Good liquidity 5.4, driven by a liquidity ratio of 24.5 percent and a “hot money” ratio of 0.5 percent.
Asset Mix:
Consumer loans (27%), home mtgs (7%), other (66%)
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
2309 Whitesburg Drive, SE
Huntsville, AL 35801
Huntsville, AL 35801
Phone Number
(256) 534-2423
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Birmingham, AL
Daleville, AL
Birmingham, AL
Huntsville, AL
