Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.6 and a net worth ratio of 14.2. A current level of 0.9 percent of nonperforming loans to core capital combined with 0.7 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 17.8 percent and a “hot money” ratio of 16.2 percent.
Asset Mix:
Securities (18%), consumer loans (16%), home mtgs (15%), other (51%)
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
200 East Sixth Street
Tuscumbia, AL 35674
Tuscumbia, AL 35674
Phone Number
(256) 381-4800
NCUA Charter Number
Website
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