Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.8 and a net worth ratio of 15.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 12.4 percent of nonperforming loans to core capital combined with 10.3 percent from a year earlier contributes to the Good asset quality (6.1). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.6 has resulted in Good (5.3) profitability.
Asset Mix:
Consumer loans (41%), home mtgs (8%), other (52%)
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
5662 Cottage Hill Road
Mobile, AL 36609
Mobile, AL 36609
Phone Number
(251) 316-0000
NCUA Charter Number
Website
Largest Competitors
Mobile, AL
Mobile, AL
Mobile, AL
Mobile, AL