Bragg Mutual Federal Credit Union
Major Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 0.0. A current level of 16.5 percent of nonperforming loans to core capital combined with 16.5 percent from a year earlier contributes to the Good asset quality (5.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10). Fair liquidity 3.9, driven by a liquidity ratio of 20.4 percent and a “hot money” ratio of 14.3 percent.
Asset Mix:
Consumer loans (27%), home mtgs (8%), other (65%)
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
2917 Village Drive
Fayetteville, NC 28304
Fayetteville, NC 28304
Phone Number
(910) 488-3515
NCUA Charter Number
Website
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