Atlantic City Electric Company Employees Federal Credit Union
Major Rating Factors:
Excellent current capitalization (9.1 on a scale of 0 to 10) based on a net capital to total assets of 10.9 and a net worth ratio of 14.7. A current level of 8.8 percent of nonperforming loans to core capital contributes to the Good asset quality (6.4).
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.8 has resulted in Good (5.7) profitability. Fair liquidity 4.7, driven by a liquidity ratio of 28.3 percent and a “hot money” ratio of 0.2 percent.
Asset Mix:
Consumer loans (29%), securities (15%), other (56%)
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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