Health Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 22.1 and a net worth ratio of 22.1. 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 7.3 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Good asset quality (6.3). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 0.3 has resulted in Good (5.4) profitability.
Asset Mix:
Consumer loans (54%), home mtgs (11%), other (34%)
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
1400 Sixth Avenue, South
Birmingham, AL 35233
Birmingham, AL 35233
Phone Number
(205) 930-1213
NCUA Charter Number
Website
Largest Competitors
Birmingham, AL
Birmingham, AL
Birmingham, AL
Birmingham, AL
Birmingham, AL