Major Rating Factors:
Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.3 has resulted in Excellent (9.3) profitability. Excellent current capitalization (7.7 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 13.1.
Other Rating Factors:
A current level of 4.8 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Good asset quality (6.9). 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 (55%), home mtgs (7%), other (38%)
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
4810 Mercer University Drive
Macon, GA 31210
Macon, GA 31210
Phone Number
(478) 471-9946
NCUA Charter Number
Website
Largest Competitors
Macon, GA
Macon, GA
Macon, GA
Macon, GA
Macon, GA