North Alabama Educators Credit Union
Major Rating Factors:
Fair current capitalization (3.2 on a scale of 0 to 10) based on a net capital to total assets of 5.4 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.0 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (9.2). Good liquidity 5.7, driven by a liquidity ratio of 28.9 percent and a “hot money” ratio of 0.5 percent.
Asset Mix:
Consumer loans (25%), home mtgs (6%), other (69%)
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