Unilever 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 (3.2 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 1.7, driven by a liquidity ratio of 12.3 percent and a “hot money” ratio of 41.6 percent. Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 9.1.
Asset Mix:
Home mtgs (68%), consumer loans (8%), other (23%)
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
700 Sylvan Avenue
Englewood Cliffs, NJ 07632
Englewood Cliffs, NJ 07632
Phone Number
(203) 816-4041
NCUA Charter Number
Website
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