D
A.C.B.A. Federal Credit Union
Rating Date
December 2025
Net Capital
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Capital
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Major Rating Factors: A current level of 16.5 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7).
Other Rating Factors: Fair liquidity 4.5, driven by a liquidity ratio of 33.7 percent and a “hot money” ratio of 0.0 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.0 on a scale of 0 to 10).
Asset Mix: Consumer loans (68%), other (32%)
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)
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Hot Money
Corporate Info
Address
Law & Finance Building
Pittsburgh, PA 15219
Phone Number
(412) 391-7242
NCUA Charter Number