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 (4.0 on a scale of 0 to 10). 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 10.5.
Other Rating Factors:
A current level of 8.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Good (6.5) profitability.
Asset Mix:
Consumer loans (34%), home mtgs (19%), comm loans (11%), other (36%)
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
110 South 26th Street
Gadsden, AL 35904
Gadsden, AL 35904
Phone Number
(256) 543-7302
NCUA Charter Number
Website
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