Saint John A M E Federal Credit Union
Major Rating Factors:
A current level of 25.0 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.7). Operating profits as a percentage of assets at 0.0%, coupled with a return on assets of 0.0 has resulted in Weak (1.6) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.4 and a net worth ratio of 14.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Asset Mix:
Consumer loans (55%), other (45%)
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
917 Garden Avenue
Niagara Falls, NY 14305
Niagara Falls, NY 14305
Phone Number
(716) 285-6432x2
NCUA Charter Number
Largest Competitors
Niagara Falls, NY
Niagara Falls, NY
Niagara Falls, NY
Niagara Falls, NY
Niagara Falls, NY