SPC Credit Union
Major Rating Factors:
Excellent current capitalization (9.3 on a scale of 0 to 10) based on a net capital to total assets of 11.0 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.7 has resulted in Good (7.0) profitability.
Other 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 (6.9 on a scale of 0 to 10). A current level of 8.9 percent of nonperforming loans to core capital combined with 10.0 percent from a year earlier contributes to the Good asset quality (6.8).
Asset Mix:
Consumer loans (30%), home mtgs (13%), securities (6%), other (50%)
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