Major 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 (3.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.3 has resulted in Very Weak (0.2) profitability.
Other Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Good asset quality (6.3). Good current capitalization (5.3 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 7.7.
Asset Mix:
Consumer loans (53%), home mtgs (8%), other (39%)
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
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Rome, GA
Rome, GA