Brookland Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Very Weak overall stability index (1.0 on a scale of 0 to 10). A current level of 30.9 percent of nonperforming loans to core capital combined with 30.9 percent from a year earlier contributes to the Weak asset quality (1.4).
Other Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Fair (3.5) profitability. Fair liquidity 4.5, driven by a liquidity ratio of 28.0 percent and a “hot money” ratio of 3.3 percent.
Asset Mix:
Consumer loans (64%), other (36%)
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
949 Sunset Boulevard
West Columbia, SC 29169
West Columbia, SC 29169
Phone Number
(803) 794-9201
NCUA Charter Number
Website
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