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). Very Weak current capitalization (0.6 on a scale of 0 to 10) based on a net capital to total assets of 4.0 and a net worth ratio of 5.9.
Other Rating Factors:
A current level of 20.8 percent of nonperforming loans to core capital combined with 17.4 percent from a year earlier contributes to the Fair asset quality (3.7). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Fair (5.0) profitability.
Asset Mix:
Home mtgs (31%), consumer loans (14%), other (56%)
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
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Birmingham, AL
Tuskegee, AL