Major Rating Factors:
Excellent current capitalization (7.8 on a scale of 0 to 10) based on a net capital to total assets of 10.0 and a net worth ratio of 13.8. A current level of 5.5 percent of nonperforming loans to core capital combined with 5.9 percent from a year earlier contributes to the Good asset quality (6.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 18.2 percent and a “hot money” ratio of 0.9 percent.
Asset Mix:
Consumer loans (42%), home mtgs (9%), 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
670 Metropolitan Parkway, SW
Atlanta, GA 30310
Atlanta, GA 30310
Phone Number
(404) 658-6465
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Atlanta, GA
Atlanta, GA
Atlanta, GA
Atlanta, GA