R I A Federal Credit Union
Major Rating Factors:
Fair current capitalization (3.7 on a scale of 0 to 10) based on a net capital to total assets of 6.0 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.1 has resulted in Fair (3.1) profitability.
Other Rating Factors:
A current level of 8.6 percent of nonperforming loans to core capital combined with 9.5 percent from a year earlier contributes to the Good asset quality (6.7). Weak liquidity 2.7, driven by a liquidity ratio of 9.5 percent and a “hot money” ratio of 13.8 percent.
Asset Mix:
Consumer loans (33%), home mtgs (17%), other (50%)
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
4343 Utica Ridge Road
Bettendorf, IA 52722
Bettendorf, IA 52722
Phone Number
(563) 355-3800
NCUA Charter Number
Website
Largest Competitors
North Liberty, IA
Waterloo, IA
Dubuque, IA
Cedar Rapids, IA
Bettendorf, IA