S.C.H.D. District 7 Federal Credit Union
Major Rating Factors:
A current level of 13.8 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.7 and a net worth ratio of 18.7. Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Good (6.2) profitability.
Asset Mix:
Consumer loans (46%), other (54%)
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
293 Broughton Street
Orangeburg, SC 29115
Orangeburg, SC 29115
Phone Number
(803) 536-0040
NCUA Charter Number
Largest Competitors
Lancaster, SC
North Charleston, SC
North Augusta, SC
Sumter, SC
Orangeburg, SC