Santo Christo 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 (1.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.3 has resulted in Weak (2.6) profitability.
Other Rating Factors:
Fair liquidity 3.9, driven by a liquidity ratio of 27.7 percent and a “hot money” ratio of 0.0 percent. Good current capitalization (5.4 on a scale of 0 to 10) based on a net capital to total assets of 7.8 and a net worth ratio of 7.8.
Asset Mix:
Home mtgs (31%), consumer loans (28%), securities (16%), other (25%)
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
149 Columbia Street
Fall River, MA 02721
Fall River, MA 02721
Phone Number
(508) 673-9210
NCUA Charter Number
Website
Largest Competitors
Fall River, MA
Fall River, MA
Fall River, MA
Fall River, MA
Fall River, MA