Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.7 and a net worth ratio of 15.7. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 0.4 has resulted in Good (6.3) profitability.
Other Rating Factors:
A current level of 13.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (43%), home mtgs (7%), other (50%)
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