U. H. S. Employees Federal Credit Union
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 (5.3 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (7.0 on a scale of 0 to 10) based on a net capital to total assets of 9.4 and a net worth ratio of 9.4. A current level of 4.9 percent of nonperforming loans to core capital combined with 5.7 percent from a year earlier contributes to the Good asset quality (5.8).
Asset Mix:
Consumer loans (46%), home mtgs (16%), other (38%)
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
33-57 Harrison Street
Johnson City, NY 13790
Johnson City, NY 13790
Phone Number
(607) 763-6565
NCUA Charter Number
Website
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