C
Woodruff Federal Savings and Loan Association
Rating Date
June 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
32.32
Return On
Assets
0.31%
Total
Assets
101.75M
Capital
33.63M
Total
Deposits
66.63M
Net
Income
79.00K
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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 9.30
Capitalization Index 10.00
Liquidity Index 0.90
Profitability Index 2.00
Stability Index 7.50
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 5.28%
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 0.43%
Non-Performing Loans to Capital 1.29%
Non-Performing Loans to Loans 0.68%
Balance Sheet Woodruff Federal Savings and Loan Association
Woodruff, SC 		Click to
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Total Assets 101.75M
Total Deposits 66.63M
Capital and Reserves Woodruff Federal Savings and Loan Association
Woodruff, SC 		Click to
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Capital 33.63M
Leverage Ratio 32.32
Loan Loss Reserves to Loans 1.08%
Risk-Based Capital Ratio --
Liquidity Woodruff Federal Savings and Loan Association
Woodruff, SC 		Click to
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Hot Money Ratio 55.87%
Liquidity Ratio 44.08%
Profitability Woodruff Federal Savings and Loan Association
Woodruff, SC 		Click to
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5-Year Return on Average Assets 0.25%
Net Income 79.00K
Net Interest Spread 2.30%
Operating Profit to Average Assets 0.34%
Overhead Efficiency Ratio 84.41%
Return on Assets 0.31%
Return on Equity 0.94%