Major Rating Factors:
Fair current capitalization (4.5 on a scale of 0 to 10) based on a net capital to total assets of 6.8 and a net worth ratio of 0.0. 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).
Other Rating Factors:
A current level of 7.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Good (6.0) profitability.
Asset Mix:
Consumer loans (33%), home mtgs (19%), other (49%)
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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