Mt. Gilead Federal 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 17.1 and a net worth ratio of 17.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.5 on a scale of 0 to 10).
Other Rating Factors:
Excellent liquidity 8.2, driven by a liquidity ratio of 93.7 percent and a “hot money” ratio of 0.0 percent. A current level of 13.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.3).
Asset Mix:
Consumer loans (24%), other (76%)
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
1625 13th Street, NW
Washington, DC 20009
Washington, DC 20009
Phone Number
(202) 462-0427
NCUA Charter Number
Largest Competitors
Washington, DC
Washington, DC
Washington, DC
Washington, DC
Washington, DC