UFirst Federal Credit Union
Major Rating Factors:
Excellent current capitalization (9.4 on a scale of 0 to 10) based on a net capital to total assets of 11.2 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.2 has resulted in Excellent (8.0) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.5 on a scale of 0 to 10). A current level of 8.4 percent of nonperforming loans to core capital contributes to the Good asset quality (7.0).
Asset Mix:
Consumer loans (42%), home mtgs (13%), 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
274 Rugar Street
Plattsburgh, NY 12901
Plattsburgh, NY 12901
Phone Number
(518) 324-5700
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Long Island City, NY
Plattsburgh, NY
Plattsburgh, NY
Plattsburgh, NY