Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.7 and a net worth ratio of 17.5. A current level of 10.1 percent of nonperforming loans to core capital combined with 7.2 percent from a year earlier contributes to the Excellent asset quality (7.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.2 has resulted in Good (5.4) profitability. Good liquidity 5.0, driven by a liquidity ratio of 34.1 percent and a “hot money” ratio of 4.2 percent.
Asset Mix:
Consumer loans (33%), home mtgs (20%), other (47%)
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
286 North Broad Street
Toccoa, GA 30577
Toccoa, GA 30577
Phone Number
(706) 886-2908
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Warner Robins, GA
Toccoa, GA