Major Rating Factors:
A current level of 26.1 percent of nonperforming loans to core capital combined with 10.9 percent from a year earlier contributes to the Weak asset quality (2.0).
Other Rating Factors:
Fair liquidity 4.8, driven by a liquidity ratio of 45.2 percent and a “hot money” ratio of 13.7 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (62%), other (38%)
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
150 Willie Smokie Glover Drive
Macon, GA 31201
Macon, GA 31201
Phone Number
(478) 219-1162
NCUA Charter Number
Website
Largest Competitors
Macon, GA
Macon, GA
Macon, GA
Macon, GA
Macon, GA
