Major Rating Factors:
A current level of 4.8 percent of nonperforming loans to core capital combined with 4.6 percent from a year earlier contributes to the Excellent asset quality (7.9). Good current capitalization (6.8 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 0.0.
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 (6.6 on a scale of 0 to 10). Fair liquidity 4.0, driven by a liquidity ratio of 27.6 percent and a “hot money” ratio of 16.8 percent.
Asset Mix:
Consumer loans (37%), home mtgs (23%), 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
1000 Saint Albans Drive
Raleigh, NC 27609
Raleigh, NC 27609
Phone Number
(919) 420-8000
NCUA Charter Number
Website
Largest Competitors
Raleigh, NC
Raleigh, NC
Raleigh, NC
Raleigh, NC