Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.4 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.7, driven by a liquidity ratio of 17.5 percent and a “hot money” ratio of 24.3 percent. A current level of 24.9 percent of nonperforming loans to core capital combined with 16.8 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Home mtgs (46%), consumer loans (22%), securities (8%), other (24%)
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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