Hemingford Community Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (2.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.7, driven by a liquidity ratio of 33.4 percent and a “hot money” ratio of 1.9 percent. A current level of 2.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6).
Asset Mix:
Consumer loans (42%), home mtgs (9%), comm loans (5%), other (44%)
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
801 Box Butte Avenue
Hemingford, NE 69348
Hemingford, NE 69348
Phone Number
(308) 487-5578
NCUA Charter Number
Website
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