Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10). A current level of 8.2 percent of nonperforming loans to core capital combined with 8.2 percent from a year earlier contributes to the Good asset quality (5.0).
Other Rating Factors:
Fair liquidity 4.9, driven by a liquidity ratio of 38.7 percent and a “hot money” ratio of 5.7 percent. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Good (5.4) profitability.
Asset Mix:
Consumer loans (57%), home mtgs (4%), other (39%)
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
4901 Colonial Drive
Columbia, SC 29203
Columbia, SC 29203
Phone Number
(803) 691-0037
NCUA Charter Number
Website
Largest Competitors
Columbia, SC
Columbia, SC
Columbia, SC
Columbia, SC
Columbia, SC