Georgetown Kraft Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.9 and a net worth ratio of 16.0. A current level of 1.6 percent of nonperforming loans to core capital combined with 2.4 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 2.5%, coupled with a return on assets of 2.0 has resulted in Excellent (10.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (43%), home mtgs (6%), securities (3%), other (48%)
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
1379 North Fraser Street
Georgetown, SC 29440
Georgetown, SC 29440
Phone Number
(843) 546-8494
NCUA Charter Number
Website
Largest Competitors
Lancaster, SC
North Charleston, SC
Sumter, SC
North Augusta, SC
Indian Land, SC
