Cal Ed Federal Credit Union
Major Rating Factors:
A current level of 28.1 percent of nonperforming loans to core capital combined with 27.6 percent from a year earlier contributes to the Fair asset quality (3.7). Operating profits as a percentage of assets at 0.1%, coupled with a return on assets of 0.5 has resulted in Weak (2.2) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.3 and a net worth ratio of 14.3. Excellent liquidity 7.4, driven by a liquidity ratio of 49.2 percent and a “hot money” ratio of 6.5 percent.
Asset Mix:
Home mtgs (16%), consumer loans (10%), other (74%)
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
100 Technology Drive
Coal Center, PA 15423
Coal Center, PA 15423
Phone Number
(724) 938-3280
NCUA Charter Number
Website
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