Academic 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 Weak overall stability index (2.1 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 and a net worth ratio of 9.9. Good liquidity 5.9, driven by a liquidity ratio of 25.7 percent and a “hot money” ratio of 14.8 percent.
Asset Mix:
Home mtgs (21%), consumer loans (15%), other (64%)
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
425 North State Road
Briarcliff Manor, NY 10510
Briarcliff Manor, NY 10510
Phone Number
(914) 923-3608
NCUA Charter Number
Website
Largest Competitors
Bethpage, NY
Hauppauge, NY
Albany, NY
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Briarcliff Manor, NY