Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.6 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.4 has resulted in Excellent (8.9) profitability.
Other Rating Factors:
A current level of 16.8 percent of nonperforming loans to core capital combined with 13.9 percent from a year earlier contributes to the Good asset quality (5.8). Good liquidity 5.7, driven by a liquidity ratio of 36.9 percent and a “hot money” ratio of 3.3 percent.
Asset Mix:
Consumer loans (39%), home mtgs (6%), other (55%)
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
22 Oglethorpe Professional Boulevard
Savannah, GA 31406
Savannah, GA 31406
Phone Number
(912) 691-2087
NCUA Charter Number
Website
Largest Competitors
Savannah, GA
Savannah, GA
Savannah, GA
Savannah, GA
Savannah, GA