Development
Fedmont Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.8 and a net worth ratio of 11.8. A current level of 0.0 percent of nonperforming loans to core capital combined with 1.0 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Good liquidity 7.0, driven by a liquidity ratio of 95.2 percent and a “hot money” ratio of 4.2 percent. Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (5.8) profitability.
Asset Mix:
Consumer loans (24%), other (76%)
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
330 Eastdale Circle
Montgomery, AL 36117
Montgomery, AL 36117
Phone Number
(334) 270-5532
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Montgomery, AL
Montgomery, AL
Montgomery, AL
Montgomery, AL