Major Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.7 has resulted in Excellent (10.0) profitability. A current level of 4.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5).
Other Rating Factors:
Excellent current capitalization (8.2 on a scale of 0 to 10) based on a net capital to total assets of 10.3 and a net worth ratio of 10.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (34%), comm loans (16%), home mtgs (15%), securities (10%), other (25%)
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
1815 Satellite Blvd
Duluth, GA 30097
Duluth, GA 30097
Phone Number
(404) 297-9797
NCUA Charter Number
Website
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