Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.5 and a net worth ratio of 13.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7). Fair liquidity 3.8, driven by a liquidity ratio of 20.4 percent and a “hot money” ratio of 7.6 percent.
Asset Mix:
Consumer loans (31%), home mtgs (13%), comm loans (4%), securities (4%), other (48%)
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
3604 Atlanta Avenue
Hapeville, GA 30354
Hapeville, GA 30354
Phone Number
(404) 768-4980
NCUA Charter Number
Website
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