Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.9 and a net worth ratio of 16.5. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.9 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Excellent (8.6) profitability. A current level of 4.2 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.6).
Asset Mix:
Comm loans (10%), consumer loans (10%), home mtgs (9%), other (71%)
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
1758 Pulaski Highway
Bear, DE 19701
Bear, DE 19701
Phone Number
(302) 392-2930
NCUA Charter Number
Website
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