Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.0 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.7, driven by a liquidity ratio of 42.8 percent and a “hot money” ratio of 3.2 percent. Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 8.4.
Asset Mix:
Consumer loans (49%), securities (3%), other (48%)
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
315 Epting Avenue
Greenwood, SC 29646
Greenwood, SC 29646
Phone Number
(864) 227-4176
NCUA Charter Number
Website
Largest Competitors
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