Chief Financial Federal Credit Union
Major Rating Factors:
A current level of 2.4 percent of nonperforming loans to core capital combined with 2.2 percent from a year earlier contributes to the Excellent asset quality (9.6). Excellent current capitalization (8.5 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 11.2.
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 (6.0 on a scale of 0 to 10). Fair liquidity 3.5, driven by a liquidity ratio of 17.6 percent and a “hot money” ratio of 15.8 percent.
Asset Mix:
Consumer loans (40%), home mtgs (3%), securities (1%), 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
200 Diversion Street
Rochester Hills, MI 48307
Rochester Hills, MI 48307
Phone Number
(248) 253-7900
NCUA Charter Number
Website
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