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 (1.7 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.4, driven by a liquidity ratio of 38.6 percent and a “hot money” ratio of 1.9 percent. A current level of 6.7 percent of nonperforming loans to core capital combined with 6.7 percent from a year earlier contributes to the Good asset quality (5.7).
Asset Mix:
Consumer loans (55%), securities (2%), other (43%)
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
Lancaster, SC
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Greenwood, SC
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Greenwood, SC