Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.7 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Excellent (9.4) profitability.
Other Rating Factors:
A current level of 3.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (25%), home mtgs (21%), other (55%)
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
1320 Washington Street
Columbia, SC 29201
Columbia, SC 29201
Phone Number
(803) 779-1232
NCUA Charter Number
Website
Largest Competitors
Columbia, SC
Columbia, SC
Columbia, SC
Columbia, SC
Columbia, SC