Alabama Central Credit Union
Major Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.3). Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.6.
Other Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.9 has resulted in Good (6.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (26%), consumer loans (20%), comm loans (1%), other (54%)
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
3601 Fourth Avenue, South
Birmingham, AL 35222
Birmingham, AL 35222
Phone Number
(205) 510-1300
NCUA Charter Number
Website
Largest Competitors
Birmingham, AL
Birmingham, AL
Birmingham, AL
Birmingham, AL
Birmingham, AL