Major Rating Factors:
A current level of 1.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9). Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 10.8.
Other Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.5 has resulted in Excellent (7.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (30%), home mtgs (25%), other (45%)
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
622 Azalea Road
Mobile, AL 36609
Mobile, AL 36609
Phone Number
(251) 316-3240
NCUA Charter Number
Website
Largest Competitors
Mobile, AL
Mobile, AL
Mobile, AL
Mobile, AL