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 (4.4 on a scale of 0 to 10). Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 10.7.
Other Rating Factors:
A current level of 6.8 percent of nonperforming loans to core capital combined with 3.9 percent from a year earlier contributes to the Excellent asset quality (7.7). Weak liquidity 2.9, driven by a liquidity ratio of 6.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (36%), home mtgs (20%), other (44%)
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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