MTC Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.8 and a net worth ratio of 12.8. A current level of 4.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Weak liquidity 2.9, driven by a liquidity ratio of 15.2 percent and a “hot money” ratio of 19.0 percent.
Asset Mix:
Consumer loans (29%), securities (18%), home mtgs (16%), comm loans (10%), other (27%)
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
201 Brookfield Parkway
Greenville, SC 29607
Greenville, SC 29607
Phone Number
(864) 908-3400
NCUA Charter Number
Website
Largest Competitors
Lancaster, SC
North Charleston, SC
Greenville, SC
Greenville, SC
Greenville, SC