Bessemer System Federal Credit Union
Major Rating Factors:
Excellent current capitalization (9.9 on a scale of 0 to 10) based on a net capital to total assets of 11.5 and a net worth ratio of 11.5. A current level of 0.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6).
Other Rating Factors:
Excellent liquidity 7.4, driven by a liquidity ratio of 33.2 percent and a “hot money” ratio of 5.9 percent. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Good (5.6) profitability.
Asset Mix:
Consumer loans (10%), home mtgs (3%), securities (3%), other (84%)
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
106 Woodfield Drive
Greenville, PA 16125
Greenville, PA 16125
Phone Number
(724) 588-6119
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Enola, PA
Exton, PA
Philadelphia, PA