Atlantic City Police 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 21.3 and a net worth ratio of 21.3. A current level of 0.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.8 has resulted in Excellent (7.8) profitability. Good liquidity 5.3, driven by a liquidity ratio of 63.1 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (67%), consumer loans (15%), other (18%)
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
2715 Atlantic Avenue
Atlantic City, NJ 08401
Atlantic City, NJ 08401
Phone Number
(609) 348-5905
NCUA Charter Number
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