Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.1 has resulted in Fair (3.3) profitability.
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 26.5 percent and a “hot money” ratio of 9.2 percent. A current level of 6.1 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7).
Asset Mix:
Consumer loans (67%), comm loans (3%), home mtgs (3%), other (28%)
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