Development
Major Rating Factors:
A current level of 3.8 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Excellent asset quality (8.7). Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 9.1.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.6 has resulted in Fair (4.6) profitability.
Asset Mix:
Consumer loans (33%), home mtgs (24%), other (43%)
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
One Riverchase Parkway, South
Hoover, AL 35244
Hoover, AL 35244
Phone Number
(205) 985-2828
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Birmingham, AL
Daleville, AL
Hoover, AL
Hoover, AL