D
Saint Thomas More Federal Credit Union
Rating Date
May 2024
Net Capital
Ratio
Leverage
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Return On
Assets
Total
Assets
Capital
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Deposits
Net
Income
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Major 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 (6.4 on a scale of 0 to 10).
Other Rating Factors: Fair liquidity 4.0, driven by a liquidity ratio of 0.0 percent and a “hot money” ratio of 101.0 percent. Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 100.0 and a net worth ratio of 100.0.
Asset Mix: Cash (100%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
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Loan Loss Reserves to Loans
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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
Liquidity
Liquidity Ratio
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Hot Money
Corporate Info
Address
3901 Cathedral Lane
Arlington, VA 22203
Phone Number
(703) 527-1828
NCUA Charter Number