Development
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10). Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 10.6.
Other Rating Factors:
A current level of 16.0 percent of nonperforming loans to core capital combined with 8.8 percent from a year earlier contributes to the Good asset quality (5.3). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 0.3 has resulted in Fair (4.7) profitability.
Asset Mix:
Consumer loans (26%), home mtgs (11%), other (62%)
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
100 Peachtree Street, NW
Atlanta, GA 30303
Atlanta, GA 30303
Phone Number
(404) 874-1166
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Atlanta, GA
Atlanta, GA
Atlanta, GA
Atlanta, GA