Washington Area Teachers Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.3 has resulted in Fair (5.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors:
A current level of 1.0 percent of nonperforming loans to core capital combined with 8.8 percent from a year earlier contributes to the Excellent asset quality (9.7). Good liquidity 6.5, driven by a liquidity ratio of 56.6 percent and a “hot money” ratio of 3.7 percent.
Asset Mix:
Consumer loans (11%), home mtgs (10%), other (78%)
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
75 Landings Drive
Washington, PA 15301
Washington, PA 15301
Phone Number
(800) 830-3078
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
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Washington, PA