Poly Scientific Employees Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.4 has resulted in Fair (3.3) profitability. A current level of 9.5 percent of nonperforming loans to core capital contributes to the Good asset quality (5.7).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 26.3 and a net worth ratio of 26.3. Good liquidity 6.5, driven by a liquidity ratio of 73.3 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (46%), home mtgs (0%), other (54%)
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
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Fairfax, VA
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