Norwin Teachers Federal Credit Union
Major Rating Factors:
A current level of 0.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9). Excellent current capitalization (8.8 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 10.7.
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Good (6.0) profitability. Good liquidity 5.1, driven by a liquidity ratio of 34.6 percent and a “hot money” ratio of 1.1 percent.
Asset Mix:
Securities (30%), consumer loans (20%), home mtgs (12%), other (39%)
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
183 Clay Pike
North Huntingdon, PA 15642
North Huntingdon, PA 15642
Phone Number
(724) 864-7469
NCUA Charter Number
Website
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