Bragg Mutual Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.8 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.3 has resulted in Fair (3.0) profitability.
Other Rating Factors:
Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 8.3. A current level of 15.6 percent of nonperforming loans to core capital contributes to the Good asset quality (5.8).
Asset Mix:
Home mtgs (23%), consumer loans (16%), comm loans (10%), other (51%)
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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