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 21.8 and a net worth ratio of 21.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.0). Fair liquidity 4.3, driven by a liquidity ratio of 17.4 percent and a “hot money” ratio of 16.5 percent.
Asset Mix:
Consumer loans (53%), home mtgs (10%), other (37%)
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