Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.4 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 (7.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 10.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.2 has resulted in Fair (4.2) profitability.
Asset Mix:
Consumer loans (33%), home mtgs (13%), securities (10%), comm loans (4%), other (41%)
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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