Firemans 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 35.4 and a net worth ratio of 35.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.2 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital combined with 2.6 percent from a year earlier contributes to the Excellent asset quality (7.8). Good liquidity 5.2, driven by a liquidity ratio of 30.9 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (49%), other (51%)
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
1808 Seventh Avenue North
Birmingham, AL 35203
Birmingham, AL 35203
Phone Number
(205) 252-6083
NCUA Charter Number
Largest Competitors
Birmingham, AL
Birmingham, AL
Birmingham, AL
Birmingham, AL
Birmingham, AL