Oconee Federal Savings and Loan Association

Seneca, SC

Rating Date

March 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
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Total
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Capital

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Weiss Ratings	Oconee Federal Savings and Loan Association Seneca, SC	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	9.50
Capitalization Index	10.00
Liquidity Index	1.60
Profitability Index	1.40
Stability Index	8.30

Company Info	Oconee Federal Savings and Loan Association Seneca, SC	Click to Compare	Click to Compare	Click to Compare
FDIC Number	30111
Phone Number	(864) 882-2765
Website	www.oconeefederal.com

Asset Quality	Oconee Federal Savings and Loan Association Seneca, SC	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	0.70%
5-Year Asset Growth	5.22%
5-Year Charge-Offs to Average Loans	0.00%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.15%
Non-Performing Loans to Capital	1.08%
Non-Performing Loans to Loans	0.21%

Balance Sheet	Oconee Federal Savings and Loan Association Seneca, SC	Click to Compare	Click to Compare	Click to Compare
Total Assets	663.58M
Total Deposits	557.14M

Capital and Reserves	Oconee Federal Savings and Loan Association Seneca, SC	Click to Compare	Click to Compare	Click to Compare
Capital	81.31M
Leverage Ratio	13.35
Loan Loss Reserves to Loans	0.71%
Risk-Based Capital Ratio	25.58

Liquidity	Oconee Federal Savings and Loan Association Seneca, SC	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	26.92%
Liquidity Ratio	20.26%

Profitability	Oconee Federal Savings and Loan Association Seneca, SC	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.77%
Net Income	5.05M
Net Interest Spread	2.67%
Operating Profit to Average Assets	0.96%
Overhead Efficiency Ratio	66.62%
Return on Assets	0.75%
Return on Equity	6.31%