| Weiss Ratings |
Alabama Teachers Credit Union
Gadsden, AL |
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| Rating | ||||
| Asset Quality Index | 8.90 | |||
| Capitalization Index | 6.50 | |||
| Liquidity Index | 2.70 | |||
| Profitability Index | 2.40 | |||
| Stability Index | 7.80 | |||
| Company Info |
Alabama Teachers Credit Union
Gadsden, AL |
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| NCUA Charter Number | 5733 | |||
| Phone Number | (256) 543-7040 | |||
| Website | www.atcu.com | |||
| Asset Quality |
Alabama Teachers Credit Union
Gadsden, AL |
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| 1-Year Asset Growth | 9.18% | |||
| 5-Year Asset Growth | 11.90% | |||
| 5-Year Charge-Offs to Average Loans | 0.13% | |||
| Charge-Offs to Average Loans | 0.25% | |||
| Non-Performing Assets to Assets | 0.33% | |||
| Non-Performing Loans to Capital | 3.50% | |||
| Non-Performing Loans to Loans | 0.45% | |||
| Balance Sheet |
Alabama Teachers Credit Union
Gadsden, AL |
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| Total Assets | 549.86M | |||
| Total Deposits | 470.49M | |||
| Capital and Reserves |
Alabama Teachers Credit Union
Gadsden, AL |
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| Capital | 49.28M | |||
| Leverage Ratio | 10.63 | |||
| Loan Loss Reserves to Loans | 0.89% | |||
| Liquidity |
Alabama Teachers Credit Union
Gadsden, AL |
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| Hot Money Ratio | 19.16% | |||
| Liquidity Ratio | 11.27% | |||
| Profitability |
Alabama Teachers Credit Union
Gadsden, AL |
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| 5-Year Return on Average Assets | 0.81% | |||
| Net Income | 625.00K | |||
| Net Interest Spread | 3.15% | |||
| Operating Profit to Average Assets | 0.59% | |||
| Overhead Efficiency Ratio | 85.46% | |||
| Return on Assets | 0.46% | |||
| Return on Equity | 5.09% | |||