R-S Bellco Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.6 on a scale of 0 to 10). Fair current capitalization (4.8 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 7.2.
Other Rating Factors:
Fair liquidity 3.3, driven by a liquidity ratio of 27.9 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.9 has resulted in Good (5.4) profitability.
Asset Mix:
Consumer loans (22%), home mtgs (20%), securities (17%), comm loans (12%), other (29%)
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
710 Third Avenue
New Brighton, PA 15066
New Brighton, PA 15066
Phone Number
(724) 843-3330
NCUA Charter Number
Website
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