Major Rating Factors:
Good current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 10.3. A current level of 6.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.7).
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.8 has resulted in Good (5.5) profitability. Fair liquidity 4.4, driven by a liquidity ratio of 19.8 percent and a “hot money” ratio of 11.3 percent.
Asset Mix:
Consumer loans (25%), home mtgs (16%), other (59%)
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
5261 Ross Bridge Parkway
Hoover, AL 35226
Hoover, AL 35226
Phone Number
(205) 444-4528
NCUA Charter Number
Website
Largest Competitors
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Hoover, AL