TruEnergy Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.2 and a net worth ratio of 12.8. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 9.4 percent of nonperforming loans to core capital combined with 10.0 percent from a year earlier contributes to the Good asset quality (6.6). Weak liquidity 2.4, driven by a liquidity ratio of 14.1 percent and a “hot money” ratio of 18.8 percent.
Asset Mix:
Consumer loans (27%), home mtgs (16%), securities (5%), other (52%)
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
Corporate Info
Address
6801 Industrial Road
Springfield, VA 22151
Springfield, VA 22151
Phone Number
(703) 750-4394
NCUA Charter Number
Website
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