Major 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 (1.7 on a scale of 0 to 10).
Other Rating Factors:
Weak current capitalization (2.1 on a scale of 0 to 10) based on a net capital to total assets of 4.9 and a net worth ratio of 4.9. Fair liquidity 3.2, driven by a liquidity ratio of 21.0 percent and a “hot money” ratio of 35.9 percent.
Asset Mix:
Consumer loans (54%), home mtgs (8%), other (38%)
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