Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Weak (1.6) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 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 14.4 and a net worth ratio of 15.4. A current level of 4.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6).
Asset Mix:
Consumer loans (25%), home mtgs (11%), comm loans (6%), other (59%)
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
4480 Rosewood Drive
Columbia, SC 29209
Columbia, SC 29209
Phone Number
(803) 227-5555
NCUA Charter Number
Website
Largest Competitors
Columbia, SC
Columbia, SC
Columbia, SC
Columbia, SC
Columbia, SC