Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.4 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 13.2 and a net worth ratio of 13.5. A current level of 7.0 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (7.3).
Asset Mix:
Consumer loans (45%), home mtgs (7%), other (48%)
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
1720 Barlow Road
Tarboro, NC 27886
Tarboro, NC 27886
Phone Number
(252) 823-0119
NCUA Charter Number
Website
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