eCO Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10). Fair current capitalization (3.8 on a scale of 0 to 10) based on a net capital to total assets of 6.1 and a net worth ratio of 10.9.
Other Rating Factors:
A current level of 10.9 percent of nonperforming loans to core capital combined with 5.4 percent from a year earlier contributes to the Good asset quality (6.0). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Good (5.4) profitability.
Asset Mix:
Home mtgs (25%), consumer loans (19%), 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
105 Frankfurt Circle
Birmingham, AL 35211
Birmingham, AL 35211
Phone Number
(205) 226-3900
NCUA Charter Number
Website
Largest Competitors
Birmingham, AL
Birmingham, AL
Birmingham, AL
Birmingham, AL
Birmingham, AL
