Major 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 7.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.2 percent of nonperforming loans to core capital contributes to the Good asset quality (6.1). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.3 has resulted in Fair (3.5) profitability.
Asset Mix:
Consumer loans (29%), home mtgs (16%), comm loans (16%), securities (0%), other (39%)
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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