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 16.2 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 4.1%, coupled with a return on assets of 4.0 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 6.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8). Excellent liquidity 7.8, driven by a liquidity ratio of 74.6 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (27%), other (73%)
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