Chief Financial Federal Credit Union
Major Rating Factors:
A current level of 3.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8). Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.8.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.5 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.3 has resulted in Fair (3.4) profitability.
Asset Mix:
Consumer loans (38%), comm loans (12%), home mtgs (5%), securities (0%), other (44%)
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
200 Diversion Street
Rochester Hills, MI 48307
Rochester Hills, MI 48307
Phone Number
(248) 253-7900
NCUA Charter Number
Website
Largest Competitors
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