Alabama State Employees Credit Union
Major Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.1 and a net worth ratio of 11.8.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.7 has resulted in Good (5.4) profitability.
Asset Mix:
Consumer loans (38%), home mtgs (5%), comm loans (2%), securities (1%), 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
4217 Lomac Street
Montgomery, AL 36106
Montgomery, AL 36106
Phone Number
(334) 270-9011
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Daleville, AL
Montgomery, AL
Montgomery, AL
Montgomery, AL