C
American Spirit Federal Credit Union
NewarkDE
Rating Date
May 2024
Net Capital
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Major Rating Factors: A current level of 14.2 percent of nonperforming loans to core capital combined with 14.2 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10).
Other Rating Factors: Good current capitalization (5.9 on a scale of 0 to 10) based on a net capital to total assets of 8.3 and a net worth ratio of 0.0. Fair liquidity 4.5, driven by a liquidity ratio of 8.5 percent and a “hot money” ratio of 0.6 percent.
Asset Mix: Consumer loans (12%), home mtgs (9%), other (80%)
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
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Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Address
1110 Elkton Road
Newark, DE 19711
Phone Number
(302) 738-4515
NCUA Charter Number