Atlantic City Electric Company Employees Federal Credit Union
Major Rating Factors:
Excellent current capitalization (7.4 on a scale of 0 to 10) based on a net capital to total assets of 9.8 and a net worth ratio of 0.0. A current level of 5.9 percent of nonperforming loans to core capital contributes to the Good asset quality (6.8).
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Good (6.2) profitability. Good liquidity 5.1, driven by a liquidity ratio of 31.6 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (28%), securities (14%), other (58%)
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
5100 Harding Highway
Mays Landing, NJ 08330
Mays Landing, NJ 08330
Phone Number
(609) 625-6928
NCUA Charter Number
Website
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