U. H. S. Employees Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 1.4 has resulted in Fair (5.0) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.7 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 10.7. A current level of 4.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.4).
Asset Mix:
Consumer loans (33%), home mtgs (12%), other (55%)
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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