Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.8 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.8 has resulted in Excellent (9.2) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). A current level of 10.5 percent of nonperforming loans to core capital combined with 10.7 percent from a year earlier contributes to the Good asset quality (6.2).
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