Major Rating Factors:
Weak current capitalization (1.5 on a scale of 0 to 10) based on a net capital to total assets of 4.7 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10). Fair liquidity 4.6, driven by a liquidity ratio of 36.8 percent and a “hot money” ratio of 39.3 percent.
Asset Mix:
Consumer loans (46%), home mtgs (7%), other (48%)
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
906 North Broad Street, SE
Rome, GA 30161
Rome, GA 30161
Phone Number
(706) 232-6871
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Warner Robins, GA
Rome, GA
Rome, GA
Rome, GA