Vital 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 16.9 and a net worth ratio of 0.0. A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.1 has resulted in Excellent (8.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (52%), home mtgs (0%), other (47%)
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
1450 John B White Sr Blvd
Spartanburg, SC 29306
Spartanburg, SC 29306
Phone Number
(864) 948-8200
NCUA Charter Number
Website
Largest Competitors
Lancaster, SC
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Spartanburg, SC