Members First Credit Union
Major Rating Factors:
A current level of 5.0 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.1). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Good (6.5) profitability.
Other Rating Factors:
Fair current capitalization (4.9 on a scale of 0 to 10) based on a net capital to total assets of 7.2 and a net worth ratio of 9.0. Fair liquidity 3.9, driven by a liquidity ratio of 25.0 percent and a “hot money” ratio of 12.7 percent.
Asset Mix:
Home mtgs (25%), consumer loans (14%), comm loans (3%), securities (3%), other (55%)
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