New Cumberland Federal Credit Union
Major Rating Factors:
A current level of 4.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5). Excellent current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.5.
Other Rating Factors:
Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 0.8 has resulted in Good (7.0) 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).
Asset Mix:
Consumer loans (33%), home mtgs (11%), securities (9%), comm loans (6%), other (41%)
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
345 Lewisberry Road
New Cumberland, PA 17070
New Cumberland, PA 17070
Phone Number
(717) 774-7706
NCUA Charter Number
Website
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