Alabama Credit Union
Major Rating Factors:
Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.7 and a net worth ratio of 0.0.
Other Rating Factors:
Weak liquidity 2.3, driven by a liquidity ratio of 10.6 percent and a “hot money” ratio of 18.8 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Asset Mix:
Consumer loans (23%), home mtgs (16%), securities (1%), other (60%)
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