Major Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.3 has resulted in Fair (4.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3). Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 9.8.
Asset Mix:
Consumer loans (29%), home mtgs (16%), other (55%)
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