Members First Credit Union
Major Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital combined with 3.1 percent from a year earlier contributes to the Excellent asset quality (9.8). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Good (5.9) profitability.
Other Rating Factors:
Fair current capitalization (4.1 on a scale of 0 to 10) based on a net capital to total assets of 6.4 and a net worth ratio of 0.0. Fair liquidity 4.1, driven by a liquidity ratio of 23.7 percent and a “hot money” ratio of 12.1 percent.
Asset Mix:
Home mtgs (26%), consumer loans (14%), securities (2%), other (58%)
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
7 Salmon Street
Manchester, NH 03104
Manchester, NH 03104
Phone Number
(603) 622-8781
NCUA Charter Number
Website
Largest Competitors
Portsmouth, NH
Manchester, NH
Manchester, NH
Manchester, NH
Manchester, NH