EdiFi Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 6.9 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.5 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.7 percent of nonperforming loans to core capital combined with 5.3 percent from a year earlier contributes to the Excellent asset quality (10.0). Good liquidity 5.3, driven by a liquidity ratio of 28.6 percent and a “hot money” ratio of 2.2 percent.
Asset Mix:
Consumer loans (21%), home mtgs (11%), other (68%)
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
621 Beverly-Rancocas Road
Willingboro, NJ 08046
Willingboro, NJ 08046
Phone Number
(800) 225-1859
NCUA Charter Number
Website
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