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 (0.0 on a scale of 0 to 10). A current level of 42.2 percent of nonperforming loans to core capital contributes to the Weak asset quality (1.7).
Other Rating Factors:
Weak current capitalization (2.0 on a scale of 0 to 10) based on a net capital to total assets of 4.9 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.4 has resulted in Fair (3.1) profitability.
Asset Mix:
Home mtgs (31%), consumer loans (21%), other (48%)
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
304 West Montgomery Road
Tuskegee, AL 36083
Tuskegee, AL 36083
Phone Number
(334) 727-3180
NCUA Charter Number
Largest Competitors
Huntsville, AL
Birmingham, AL
Daleville, AL
Birmingham, AL
Tuskegee, AL