Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.2 and a net worth ratio of 15.3. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Excellent (8.6) profitability.
Other Rating Factors:
A current level of 6.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Asset Mix:
Consumer loans (31%), home mtgs (7%), comm loans (0%), other (61%)
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