EdiFi Federal Credit Union
Major Rating Factors:
A current level of 4.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.5). Good current capitalization (5.7 on a scale of 0 to 10) based on a net capital to total assets of 8.1 and a net worth ratio of 9.3.
Other Rating Factors:
Good liquidity 5.6, driven by a liquidity ratio of 35.9 percent and a “hot money” ratio of 9.3 percent. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.6 has resulted in Fair (4.3) profitability.
Asset Mix:
Consumer loans (18%), home mtgs (11%), comm loans (4%), other (66%)
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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