Centerville Clinics Employees Federal Credit Union
Major Rating Factors:
A current level of 89.5 percent of nonperforming loans to core capital combined with 11.8 percent from a year earlier contributes to the Very Weak asset quality (0.3). 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:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10). Excellent liquidity 7.0, driven by a liquidity ratio of 62.4 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (34%), other (66%)
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
1070 Old National Pike
Fredericktown, PA 15333
Fredericktown, PA 15333
Phone Number
(724) 632-6801
NCUA Charter Number
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Enola, PA
Exton, PA
Philadelphia, PA