Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.2). Good current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 12.9.
Asset Mix:
Consumer loans (22%), home mtgs (16%), comm loans (1%), other (61%)
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
1010 Golden Springs Road
Anniston, AL 36207
Anniston, AL 36207
Phone Number
(256) 237-2113
NCUA Charter Number
Website
Largest Competitors
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Anniston, AL