Poly Scientific Employees Federal Credit Union
Major Rating Factors:
A current level of 10.9 percent of nonperforming loans to core capital contributes to the Good asset quality (5.2).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 25.4 and a net worth ratio of 25.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10).
Asset Mix:
Consumer loans (58%), home mtgs (0%), other (42%)
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
1213 North Main Street
Blacksburg, VA 24060
Blacksburg, VA 24060
Phone Number
(540) 443-4140
NCUA Charter Number
Largest Competitors
Vienna, VA
Tysons, VA
Richmond, VA
Newport News, VA
Fairfax, VA