Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (0.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 77.0 percent of nonperforming loans to core capital contributes to the Very Weak asset quality (0.3). Very Weak liquidity 0.8, driven by a liquidity ratio of 3.1 percent and a “hot money” ratio of 23.0 percent.
Asset Mix:
Home mtgs (51%), consumer loans (23%), comm loans (7%), other (20%)
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
3600 Wake Forest Road
Raleigh, NC 27609
Raleigh, NC 27609
Phone Number
(919) 755-0534
NCUA Charter Number
Website
Largest Competitors
Raleigh, NC
Raleigh, NC
Raleigh, NC
Raleigh, NC