Major Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 9.9. A current level of 13.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.1).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.0 on a scale of 0 to 10). Fair liquidity 4.6, driven by a liquidity ratio of 21.2 percent and a “hot money” ratio of 16.1 percent.
Asset Mix:
Home mtgs (40%), consumer loans (16%), securities (3%), other (41%)
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
316 NC Highway 149 North
Plymouth, NC 27962
Plymouth, NC 27962
Phone Number
(252) 793-7000
NCUA Charter Number
Website
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