Alabama Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (1.2) profitability. Fair current capitalization (3.5 on a scale of 0 to 10) based on a net capital to total assets of 5.8 and a net worth ratio of 9.5.
Other Rating Factors:
Weak liquidity 2.1, driven by a liquidity ratio of 11.3 percent and a “hot money” ratio of 19.7 percent. A current level of 21.4 percent of nonperforming loans to core capital combined with 12.6 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Consumer loans (25%), home mtgs (16%), securities (1%), other (58%)
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
909 Anna Avenue
Tuscaloosa, AL 35401
Tuscaloosa, AL 35401
Phone Number
(205) 469-5870
NCUA Charter Number
Website
Largest Competitors
Tuscaloosa, AL
Tuscaloosa, AL
Tuscaloosa, AL
Tuscaloosa, AL
Tuscaloosa, AL
