Major 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. Excellent current capitalization (9.9 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 12.5.
Other Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (8.9). 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 (34%), home mtgs (12%), other (54%)
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
800 Huger Street
Columbia, SC 29201
Columbia, SC 29201
Phone Number
(803) 343-0300
NCUA Charter Number
Website
Largest Competitors
Columbia, SC
Columbia, SC
Columbia, SC
Columbia, SC
Columbia, SC
