B
State Employees Credit Union
RaleighNC
Data as of
June 30, 2022
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
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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 (6.9 on a scale of 0 to 10). A current level of 9.6 percent of nonperforming loans to core capital contributes to the Good asset quality (6.9).
Other Rating Factors: Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Good (6.6) profitability. Good liquidity 5.5, driven by a liquidity ratio of 25.1 percent and a “hot money” ratio of 4.4 percent.
Asset Mix: Home mtgs (39%), consumer loans (11%), securities (0%), other (50%)
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
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Address
1000 Wade Avenue
Raleigh, NC 27605
Phone Number
(919) 839-5472
NCUA Charter Number
377
Weiss Ratings