H E Telephone Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 15.1 and a net worth ratio of 15.1. A current level of 3.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.6).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). Good liquidity 6.0, driven by a liquidity ratio of 56.9 percent and a “hot money” ratio of 7.8 percent.
Asset Mix:
Home mtgs (21%), consumer loans (13%), securities (4%), comm loans (0%), other (62%)
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
201 West Passaic Street
Rochelle Park, NJ 07662
Rochelle Park, NJ 07662
Phone Number
(201) 845-6876
NCUA Charter Number
Website
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