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 11.9 and a net worth ratio of 12.1. A current level of 2.1 percent of nonperforming loans to core capital combined with 0.8 percent from a year earlier contributes to the Excellent asset quality (9.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.8 on a scale of 0 to 10). Fair liquidity 3.6, driven by a liquidity ratio of 19.2 percent and a “hot money” ratio of 10.6 percent.
Asset Mix:
Consumer loans (28%), home mtgs (22%), securities (1%), other (50%)
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
(864) 585-6838
NCUA Charter Number
Largest Competitors
Lancaster, SC
North Charleston, SC
Sumter, SC
North Augusta, SC
Spartanburg, SC