Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). A current level of 31.3 percent of nonperforming loans to core capital combined with 14.3 percent from a year earlier contributes to the Weak asset quality (1.8).
Other Rating Factors:
Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 1.0 has resulted in Fair (4.3) profitability. Good liquidity 5.6, driven by a liquidity ratio of 46.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (53%), other (47%)
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
1434 Poplar Street
Augusta, GA 30901
Augusta, GA 30901
Phone Number
(706) 823-6378
NCUA Charter Number
Website
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