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 (4.3 on a scale of 0 to 10). Good current capitalization (5.0 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 7.7.
Other Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.2 has resulted in Good (5.4) profitability. A current level of 17.6 percent of nonperforming loans to core capital contributes to the Good asset quality (5.3).
Asset Mix:
Consumer loans (32%), home mtgs (17%), comm loans (15%), securities (0%), other (36%)
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
1075 Silver Lake Boulevard
Dover, DE 19904
Dover, DE 19904
Phone Number
(302) 678-8000
NCUA Charter Number
Website
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