American Heritage Federal Credit Union
Major Rating Factors:
A current level of 8.1 percent of nonperforming loans to core capital contributes to the Good asset quality (6.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 8.3. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.4 has resulted in Fair (4.2) profitability.
Asset Mix:
Consumer loans (26%), comm loans (19%), home mtgs (14%), 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
2060 Red Lion Road
Philadelphia, PA 19115
Philadelphia, PA 19115
Phone Number
(215) 969-0777
NCUA Charter Number
Largest Competitors
Philadelphia, PA
Philadelphia, PA
Philadelphia, PA
Philadelphia, PA
Philadelphia, PA