Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.1 and a net worth ratio of 19.1. A current level of 1.0 percent of nonperforming loans to core capital combined with 0.6 percent from a year earlier contributes to the Excellent asset quality (10.0).
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 (8.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.2 has resulted in Excellent (8.6) profitability.
Asset Mix:
Consumer loans (29%), securities (22%), home mtgs (5%), other (45%)
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
2040 Ingleside Avenue
Macon, GA 31204
Macon, GA 31204
Phone Number
(478) 745-0494
NCUA Charter Number
Website
Largest Competitors
Macon, GA
Macon, GA
Macon, GA
Macon, GA
Macon, GA
