South Carolina Federal Credit Union
Major Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.5. A current level of 3.2 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Excellent asset quality (9.2).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Excellent (7.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (36%), consumer loans (26%), securities (3%), other (35%)
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
2175 Credit Union Lane
North Charleston, SC 29406
North Charleston, SC 29406
Phone Number
(843) 797-8300
NCUA Charter Number
Website
Largest Competitors
Lancaster, SC
Sumter, SC
North Augusta, SC
Indian Land, SC
North Charleston, SC
