Educators Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.3 and a net worth ratio of 14.1. Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.5 has resulted in Excellent (9.7) profitability.
Other Rating Factors:
A current level of 5.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.0). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Asset Mix:
Home mtgs (36%), consumer loans (17%), comm loans (4%), other (43%)
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
321 South East Frontage Road
Mount Pleasant, WI 53177
Mount Pleasant, WI 53177
Phone Number
(262) 886-5900
NCUA Charter Number
Website
Largest Competitors
Cottage Grove, WI
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