Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 19.9 and a net worth ratio of 0.0. A current level of 1.0 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (9.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.2 on a scale of 0 to 10). Fair liquidity 4.8, driven by a liquidity ratio of 26.8 percent and a “hot money” ratio of 2.4 percent.
Asset Mix:
Consumer loans (40%), home mtgs (2%), other (57%)
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
1205 Colonial Life Boulevard West
Columbia, SC 29210
Columbia, SC 29210
Phone Number
(803) 978-2101
NCUA Charter Number
Website
Largest Competitors
Columbia, SC
Columbia, SC
Columbia, SC
Columbia, SC
Columbia, SC