Major Rating Factors:
A current level of 16.8 percent of nonperforming loans to core capital combined with 13.6 percent from a year earlier contributes to the Fair asset quality (4.6). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 9.1. Fair liquidity 3.0, driven by a liquidity ratio of 16.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Home mtgs (42%), consumer loans (24%), securities (10%), other (25%)
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
201 East Ash Street
Goldsboro, NC 27530
Goldsboro, NC 27530
Phone Number
(919) 736-0885
NCUA Charter Number
Website
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