Hershey Federal Credit Union
Major Rating Factors:
A current level of 0.2 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (10.0). Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.7 has resulted in Good (6.2) profitability.
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). Good current capitalization (5.6 on a scale of 0 to 10) based on a net capital to total assets of 8.0 and a net worth ratio of 8.0.
Asset Mix:
Home mtgs (36%), consumer loans (22%), other (42%)
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
232 Hershey Road
Hummelstown, PA 17036
Hummelstown, PA 17036
Phone Number
(717) 533-9174
NCUA Charter Number
Website
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