Washington Area Teachers Federal Credit Union
Major Rating Factors:
A current level of 1.5 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Excellent asset quality (9.5). Excellent current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 0.0.
Other Rating Factors:
Good liquidity 6.1, driven by a liquidity ratio of 55.3 percent and a “hot money” ratio of 5.2 percent. Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.4 has resulted in Good (5.9) profitability.
Asset Mix:
Consumer loans (12%), 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
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