Alabama Law Enforcement Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Very Weak (0.7) profitability. A current level of 30.7 percent of nonperforming loans to core capital combined with 24.9 percent from a year earlier contributes to the Weak asset quality (1.4).
Other 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 (3.1 on a scale of 0 to 10). Fair liquidity 3.2, driven by a liquidity ratio of 23.8 percent and a “hot money” ratio of 19.7 percent.
Asset Mix:
Consumer loans (72%), other (28%)
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
3712 4th Avenue South
Birmingham, AL 35222
Birmingham, AL 35222
Phone Number
(205) 583-4632
NCUA Charter Number
Website
Largest Competitors
Birmingham, AL
Birmingham, AL
Birmingham, AL
Birmingham, AL
Birmingham, AL