Woodruff Federal Savings and Loan Association


Overview / Commentary
864-476-8144
247 North Main Street
Woodruff, SC 29388

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 3,910th largest bank in the nation. It was established in 1934 and as of September of 2023, it had grown to 11 employees at 1 location. Woodruff Federal Savings and Loan Association has an A health rating.

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Health
Additional 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 Established1934
Employees11
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD0.98%
Annual Interest Income$2.7MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$96MM$94.7MM
LoansQ3 2023vs Q3 2022$56.2MM$55.3MM
DepositsQ3 2023vs Q3 2022$61.3MM$60.3MM
Equity CapitalQ3 2023vs Q3 2022$33MM$32.8MM
Loan Loss AllowanceQ3 2023vs Q3 2022$700K$569K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$515K$774K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
Rates

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Locations


Woodruff Federal Savings and Loan Association Locations
Woodruff Federal Savings and Loan Association247 N Main StWoodruff, SC 29388

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