Atlantic City Electric Company Employees Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.9) profitability.
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 0.0. A current level of 7.2 percent of nonperforming loans to core capital combined with 7.0 percent from a year earlier contributes to the Good asset quality (6.5).
Asset Mix:
Consumer loans (27%), securities (9%), other (63%)
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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