Woodruff Federal Savings and Loan Association

Overview / Commentary
247 North Main Street
Woodruff, SC 29388

Woodruff Federal Savings and Loan Association is headquartered in WOODRUFF and is the 41st largest bank in the state of South Carolina. It is also the 3,921st largest bank in the nation. It was established in 1934 and as of March of 2024, it had grown to 11 employees at 1 location. Woodruff Federal Savings and Loan Association's CD rates are 4X the national average, and it has a B+ health rating.


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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

FDIC Certificate #29238
Year Established1934
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD0.59%
Annual Interest Income$918K
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$93.7MM$95.7MM
LoansQ1 2024vs Q1 2023$58.8MM$56.9MM
DepositsQ1 2024vs Q1 2023$59MM$61MM
Equity CapitalQ1 2024vs Q1 2023$33.2MM$33MM
Loan Loss AllowanceQ1 2024vs Q1 2023$700K$569K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$410K$485K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Woodruff Federal Savings and Loan Association CD Rates

5.09%$2.5k-182 Day CD
4.58%$1k-48 Month CD
3.44%$1k-12 Month CD
3.34%$1k-18 Month CD
3.24%$1k-24 Month CD
2.83%$1k-36 Month CD

Woodruff Federal Savings and Loan Association IRA Rates

3.34%$1k-18 Month IRA

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

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