Major Rating Factors:
A current level of 10.0 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Fair asset quality (4.7). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 10.9. Fair liquidity 3.5, driven by a liquidity ratio of 23.2 percent and a “hot money” ratio of 7.2 percent.
Asset Mix:
Consumer loans (66%), other (34%)
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
808 Knox Abbott Drive
Cayce, SC 29033
Cayce, SC 29033
Phone Number
(803) 796-0234
NCUA Charter Number
Website
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