D
Southwest Communities Federal Credit Union
Data as of
June 30, 2022
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.4 on a scale of 0 to 10).
Other Rating Factors: Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 7.7 and a net worth ratio of 7.7. A current level of 9.3 percent of nonperforming loans to core capital contributes to the Good asset quality (6.3).
Asset Mix: Consumer loans (14%), securities (13%), home mtgs (12%), other (61%)
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
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Address
213 Pine Street
Carnegie, PA 15106
Phone Number
(412) 276-5379
NCUA Charter Number
Weiss Ratings