Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Very Weak (0.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).
Other Rating Factors:
Good liquidity 5.0, driven by a liquidity ratio of 39.9 percent and a “hot money” ratio of 8.1 percent. Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (60%), home mtgs (3%), other (37%)
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