C
Truchoice Federal Credit Union
Rating Date
May 2024
Net Capital
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 12.0 percent of nonperforming loans to core capital combined with 12.0 percent from a year earlier contributes to the Good asset quality (6.3).
Other Rating Factors: Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.3 has resulted in Excellent (8.0) profitability. Excellent current capitalization (7.2 on a scale of 0 to 10) based on a net capital to total assets of 9.6 and a net worth ratio of 0.0.
Asset Mix: Consumer loans (35%), home mtgs (30%), other (35%)
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
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Hot Money
Corporate Info
Address
272 Park Avenue
Portland, ME 04102
Phone Number
(207) 772-0808
NCUA Charter Number