A. V. H. Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 35.8 and a net worth ratio of 0.0. A current level of 1.0 percent of nonperforming loans to core capital combined with 1.1 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
Operating profits as a percentage of assets at 1.5%, coupled with a return on assets of 1.5 has resulted in Excellent (9.3) profitability. Excellent liquidity 7.6, driven by a liquidity ratio of 105.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (31%), other (69%)
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
1301 Carlisle Street
Natrona Heights, PA 15065
Natrona Heights, PA 15065
Phone Number
(724) 224-5045
NCUA Charter Number
Largest Competitors
Philadelphia, PA
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