Carolina Foothills 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 12.2 and a net worth ratio of 12.3. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 6.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7). Operating profits as a percentage of assets at 3.6%, coupled with a return on assets of 3.0 has resulted in Good (5.7) profitability.
Asset Mix:
Consumer loans (23%), home mtgs (20%), securities (6%), comm loans (3%), other (49%)
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
520 North Church Street
Spartanburg, SC 29303
Spartanburg, SC 29303
Phone Number
(800) 922-4403
NCUA Charter Number
Largest Competitors
Lancaster, SC
North Charleston, SC
North Augusta, SC
Sumter, SC
Spartanburg, SC