C
Woodruff Federal Savings and Loan Association
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
33.13
Return On
Assets
0.27%
Total
Assets
98.04M
Capital
33.55M
Total
Deposits
63.21M
Net
Income
274.00K
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Weiss Ratings Woodruff Federal Savings and Loan Association
Woodruff, SC 		Click to
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Rating C
Asset Quality Index 9.00
Capitalization Index 10.00
Liquidity Index 0.80
Profitability Index 2.00
Stability Index 7.40
Company Info Woodruff Federal Savings and Loan Association
Woodruff, SC 		Click to
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FDIC Number 29238
Phone Number (864) 476-8144
Website www.woodrufffederal.com
Asset Quality Woodruff Federal Savings and Loan Association
Woodruff, SC 		Click to
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1-Year Asset Growth 2.57%
5-Year Asset Growth -1.12%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.70%
Non-Performing Loans to Capital 2.03%
Non-Performing Loans to Loans 1.06%
Balance Sheet Woodruff Federal Savings and Loan Association
Woodruff, SC 		Click to
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Total Assets 98.04M
Total Deposits 63.21M
Capital and Reserves Woodruff Federal Savings and Loan Association
Woodruff, SC 		Click to
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Capital 33.55M
Leverage Ratio 33.13
Loan Loss Reserves to Loans 1.07%
Risk-Based Capital Ratio --
Liquidity Woodruff Federal Savings and Loan Association
Woodruff, SC 		Click to
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Hot Money Ratio 54.16%
Liquidity Ratio 39.75%
Profitability Woodruff Federal Savings and Loan Association
Woodruff, SC 		Click to
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5-Year Return on Average Assets 0.22%
Net Income 274.00K
Net Interest Spread 2.29%
Operating Profit to Average Assets 0.29%
Overhead Efficiency Ratio 86.59%
Return on Assets 0.27%
Return on Equity 0.82%