Berkeley Community Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.7 and a net worth ratio of 19.7. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.5 has resulted in Excellent (7.5) profitability.
Other Rating Factors:
Excellent liquidity 7.8, driven by a liquidity ratio of 72.1 percent and a “hot money” ratio of 0.0 percent. A current level of 7.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4).
Asset Mix:
Consumer loans (25%), other (75%)
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
600 Main Street Extension
Moncks Corner, SC 29461
Moncks Corner, SC 29461
Phone Number
(843) 761-8298
NCUA Charter Number
Website
Largest Competitors
Lancaster, SC
North Charleston, SC
North Augusta, SC
Sumter, SC
Moncks Corner, SC