SPC Credit Union
Major Rating Factors:
Excellent current capitalization (9.8 on a scale of 0 to 10) based on a net capital to total assets of 11.4 and a net worth ratio of 11.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.8 has resulted in Good (5.6) profitability.
Asset Mix:
Consumer loans (29%), comm loans (21%), home mtgs (13%), securities (7%), other (30%)
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
204 North Fifth Street
Hartsville, SC 29550
Hartsville, SC 29550
Phone Number
(843) 383-0090
NCUA Charter Number
Website
Largest Competitors
Lancaster, SC
North Charleston, SC
North Augusta, SC
Sumter, SC
Columbia, SC