A
AllSouth Federal Credit Union
Data as of
June 30, 2022
Risk Based
Capital Ratio
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Assets
Capital
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Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.6 and a net worth ratio of 15.1. A current level of 1.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
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 (9.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Excellent (8.9) profitability.
Asset Mix: Consumer loans (35%), home mtgs (15%), securities (1%), other (50%)
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
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Address
730 Elmwood Avenue
Columbia, SC 29201
Phone Number
(803) 736-3110
NCUA Charter Number
141
Weiss Ratings