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 (4.8 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.6, driven by a liquidity ratio of 45.6 percent and a “hot money” ratio of 0.0 percent. A current level of 1.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.7).
Asset Mix:
Consumer loans (54%), other (46%)
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
1530 NC Highway 306 South
Aurora, NC 27806
Aurora, NC 27806
Phone Number
(252) 322-4111
NCUA Charter Number
Largest Competitors
Raleigh, NC
Raleigh, NC
Winston-Salem, NC
Raleigh, NC
Winston-Salem, NC