Development
Major Rating Factors:
A current level of 38.5 percent of nonperforming loans to core capital combined with 18.2 percent from a year earlier contributes to the Very Weak asset quality (0.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.2 has resulted in Fair (3.5) profitability. Fair liquidity 3.5, driven by a liquidity ratio of 25.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (71%), other (29%)
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
1030 Shurling Drive
Macon, GA 31211
Macon, GA 31211
Phone Number
(478) 741-4428
NCUA Charter Number
Website
Largest Competitors
Macon, GA
Macon, GA
Macon, GA
Macon, GA
Macon, GA