Major Rating Factors:
Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.1 has resulted in Weak (1.2) profitability. A current level of 21.2 percent of nonperforming loans to core capital combined with 8.7 percent from a year earlier contributes to the Weak asset quality (2.7).
Other Rating Factors:
Fair liquidity 4.9, driven by a liquidity ratio of 42.3 percent and a “hot money” ratio of 13.6 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (61%), other (39%)
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