R T P Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.6 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.2 has resulted in Fair (3.8) profitability.
Other Rating Factors:
A current level of 4.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.3). Fair liquidity 4.2, driven by a liquidity ratio of 19.0 percent and a “hot money” ratio of 7.3 percent.
Asset Mix:
Consumer loans (32%), home mtgs (11%), other (58%)
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
384 Davis Drive
Morrisville, NC 27560
Morrisville, NC 27560
Phone Number
(919) 941-5700
NCUA Charter Number
Website
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