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 18.8 and a net worth ratio of 18.8. A current level of 4.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1).
Other Rating Factors:
Excellent liquidity 7.8, driven by a liquidity ratio of 75.5 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.5 has resulted in Excellent (7.3) profitability.
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