Development
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.8 and a net worth ratio of 17.6. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 2.1 has resulted in Excellent (9.7) profitability.
Other Rating Factors:
A current level of 7.0 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (7.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (33%), home mtgs (19%), other (49%)
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
286 North Broad Street
Toccoa, GA 30577
Toccoa, GA 30577
Phone Number
(706) 886-2908
NCUA Charter Number
Website
Largest Competitors
Atlanta, GA
Warner Robins, GA
Toccoa, GA