CPM Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 9.7.
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.8 has resulted in Good (6.6) profitability. A current level of 9.5 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Good asset quality (6.2).
Asset Mix:
Home mtgs (28%), consumer loans (21%), securities (15%), other (35%)
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
1066 East Montague Avenue
North Charleston, SC 29405
North Charleston, SC 29405
Phone Number
(843) 747-6376
NCUA Charter Number
Website
Largest Competitors
Lancaster, SC
North Charleston, SC
Sumter, SC
North Augusta, SC
Indian Land, SC
