Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.0 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 2.4%, coupled with a return on assets of 1.3 has resulted in Excellent (10.0) profitability.
Other Rating Factors:
A current level of 4.9 percent of nonperforming loans to core capital combined with 4.9 percent from a year earlier contributes to the Excellent asset quality (7.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (39%), consumer loans (34%), other (27%)
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
737 Plantation Road
Lancaster, SC 29720
Lancaster, SC 29720
Phone Number
(800) 845-1614
NCUA Charter Number
Website
Largest Competitors
North Charleston, SC
Sumter, SC
North Augusta, SC
Indian Land, SC
Columbia, SC