Combined Employees Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.4 has resulted in Fair (3.8) profitability.
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 18.4 percent and a “hot money” ratio of 20.1 percent. Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 8.3.
Asset Mix:
Consumer loans (75%), other (25%)
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
593 Russell Parkway
Warner Robins, GA 31088
Warner Robins, GA 31088
Phone Number
(478) 929-5700
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Warner Robins, GA
Atlanta, GA
Atlanta, GA
Warner Robins, GA