Major Rating Factors:
Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.8 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 (3.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital combined with 11.1 percent from a year earlier contributes to the Excellent asset quality (9.1). Fair liquidity 3.6, driven by a liquidity ratio of 14.0 percent and a “hot money” ratio of 13.9 percent.
Asset Mix:
Home mtgs (33%), consumer loans (14%), other (53%)
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
2040 Valleydale Road
Hoover, AL 35244
Hoover, AL 35244
Phone Number
(205) 682-1100
NCUA Charter Number
Website
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