Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.7 and a net worth ratio of 17.7. A current level of 1.5 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.8 has resulted in Excellent (9.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (33%), home mtgs (5%), 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
2204 Family Security Place, SW
Decatur, AL 35603
Decatur, AL 35603
Phone Number
(256) 340-2000
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Birmingham, AL
Daleville, AL
Birmingham, AL
Decatur, AL
