Woodruff Federal Savings and Loan Association
Overview / Commentary
Woodruff Federal Savings and Loan Association is headquartered in WOODRUFF and is the 40th largest bank in the state of South Carolina. It is also the 3,829th largest bank in the nation. It was established in 1934 and as of March of 2025, it had grown to 10 employees at 1 location. Woodruff Federal Savings and Loan Association has an A health rating.
Health
A
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Woodruff Federal Savings and Loan Association has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 29238 |
| Year Established | 1934 |
| Employees | 10 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.27% |
| Return on Equity - YTD | 0.77% |
| Annual Interest Income | $962K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $96.6MM$93.7MM |
| Loans | Q1 2025vs Q1 2024 | $61.3MM$58.8MM |
| Deposits | Q1 2025vs Q1 2024 | $61.7MM$59MM |
| Equity Capital | Q1 2025vs Q1 2024 | $33.3MM$33.2MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $700K$700K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $248K$410K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |