Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.1 has resulted in Weak (1.7) profitability.
Other Rating Factors:
A current level of 6.9 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Good asset quality (6.5). Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 10.3.
Asset Mix:
Consumer loans (26%), home mtgs (20%), other (54%)
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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