Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.8 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.7 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.7 on a scale of 0 to 10). A current level of 7.8 percent of nonperforming loans to core capital combined with 7.8 percent from a year earlier contributes to the Good asset quality (5.9).
Asset Mix:
Consumer loans (60%), home mtgs (7%), other (32%)
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
1251 13th Street
Columbus, GA 31901
Columbus, GA 31901
Phone Number
(706) 320-8500
NCUA Charter Number
Website
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Columbus, GA