Major Rating Factors:
Very Weak current capitalization (0.0 on a scale of 0 to 10) based on a net capital to total assets of 1.6 and a net worth ratio of 9.4. Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.1 has resulted in Weak (2.3) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10). Fair liquidity 4.3, driven by a liquidity ratio of 12.2 percent and a “hot money” ratio of 11.5 percent.
Asset Mix:
Consumer loans (18%), home mtgs (12%), other (70%)
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
2301 Parklake Drive, NE
Atlanta, GA 30345
Atlanta, GA 30345
Phone Number
(404) 325-3270
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Atlanta, GA
Atlanta, GA
Atlanta, GA
Atlanta, GA