SRP 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 13.5 and a net worth ratio of 13.5. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.2 has resulted in Excellent (9.9) profitability.
Other Rating Factors:
A current level of 5.7 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.2). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (25%), comm loans (25%), home mtgs (17%), other (34%)
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
1070 Edgefield Road
North Augusta, SC 29860
North Augusta, SC 29860
Phone Number
(803) 278-4851
NCUA Charter Number
Website
Largest Competitors
Lancaster, SC
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Columbia, SC