Discovery Federal Credit Union
Major Rating Factors:
A current level of 2.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.7). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 0.0.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Fair (3.7) profitability.
Asset Mix:
Consumer loans (21%), home mtgs (15%), other (64%)
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
2744 Century Boulevard
Wyomissing, PA 19610
Wyomissing, PA 19610
Phone Number
(610) 372-8010
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Wyomissing, PA
Wyomissing, PA
Wyomissing, PA