Major Rating Factors:
A current level of 20.9 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.9 and a net worth ratio of 13.0. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.1 has resulted in Good (6.9) profitability.
Asset Mix:
Consumer loans (42%), other (58%)
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
800 Downtowner Loop W
Mobile, AL 36609
Mobile, AL 36609
Phone Number
(251) 342-1472
NCUA Charter Number
Website
Largest Competitors
Mobile, AL
Mobile, AL
Mobile, AL
Mobile, AL