Major Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (10.0). 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 11.3.
Other Rating Factors:
Excellent liquidity 7.5, driven by a liquidity ratio of 34.7 percent and a “hot money” ratio of 0.4 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Asset Mix:
Consumer loans (13%), home mtgs (1%), other (86%)
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
3150 Airport Boulevard
Mobile, AL 36606
Mobile, AL 36606
Phone Number
(251) 473-4712
NCUA Charter Number
Website
Largest Competitors
Mobile, AL
Mobile, AL
Mobile, AL
Mobile, AL