UFirst Federal Credit Union
Major Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 12.9. A current level of 4.3 percent of nonperforming loans to core capital combined with 4.0 percent from a year earlier contributes to the Good asset quality (6.9).
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 (6.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.4 has resulted in Fair (4.4) profitability.
Asset Mix:
Consumer loans (46%), home mtgs (15%), other (40%)
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
274 Rugar Street
Plattsburgh, NY 12901
Plattsburgh, NY 12901
Phone Number
(518) 324-5700
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
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Plattsburgh, NY
Plattsburgh, NY
Plattsburgh, NY