CPM Federal Credit Union
Major Rating Factors:
Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 9.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.7 has resulted in Good (6.0) profitability. A current level of 15.1 percent of nonperforming loans to core capital contributes to the Good asset quality (5.4).
Asset Mix:
Home mtgs (31%), consumer loans (21%), securities (10%), comm loans (8%), other (31%)
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
1066 East Montague Avenue
North Charleston, SC 29405
North Charleston, SC 29405
Phone Number
(843) 747-6376
NCUA Charter Number
Website
Largest Competitors
Lancaster, SC
North Charleston, SC
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