Saint Michaels Fall River Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.5 has resulted in Weak (2.3) profitability. A current level of 17.0 percent of nonperforming loans to core capital combined with 17.0 percent from a year earlier contributes to the Good asset quality (5.8).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). Good current capitalization (6.5 on a scale of 0 to 10) based on a net capital to total assets of 8.9 and a net worth ratio of 0.0.
Asset Mix:
Home mtgs (46%), consumer loans (5%), other (49%)
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
775 Davol Street
Fall River, MA 02720
Fall River, MA 02720
Phone Number
(508) 674-3861
NCUA Charter Number
Website
Largest Competitors
Fall River, MA
Fall River, MA
Fall River, MA
Fall River, MA
Fall River, MA