Major Rating Factors:
A current level of 4.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5). Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.3 has resulted in Excellent (8.3) profitability.
Other Rating Factors:
Excellent current capitalization (8.1 on a scale of 0 to 10) based on a net capital to total assets of 10.2 and a net worth ratio of 11.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Consumer loans (39%), home mtgs (27%), comm loans (0%), other (34%)
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
160 West Wesmark Boulevard
Sumter, SC 29150
Sumter, SC 29150
Phone Number
(800) 763-8600
NCUA Charter Number
Website
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