Development
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 (3.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (4.8) profitability.
Other Rating Factors:
Fair liquidity 4.4, driven by a liquidity ratio of 34.4 percent and a “hot money” ratio of 18.6 percent. A current level of 5.5 percent of nonperforming loans to core capital combined with 5.1 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Consumer loans (52%), home mtgs (3%), other (44%)
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
1044 15th Street
Columbus, GA 31902
Columbus, GA 31902
Phone Number
(706) 323-4213
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
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Atlanta, GA
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Columbus, GA