edU 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 Very Weak overall stability index (0.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.3 has resulted in Weak (1.5) profitability.
Other Rating Factors:
Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 0.0. Good liquidity 6.0, driven by a liquidity ratio of 36.5 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (38%), home mtgs (0%), other (61%)
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
113 West Sixth Street
New Castle, DE 19720
New Castle, DE 19720
Phone Number
(302) 613-5330
NCUA Charter Number
Website
Largest Competitors
Dover, DE
Dover, DE
New Castle, DE
New Castle, DE