Academic Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.7 has resulted in Fair (3.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 2.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.8). Excellent current capitalization (8.5 on a scale of 0 to 10) based on a net capital to total assets of 10.5 and a net worth ratio of 10.5.
Asset Mix:
Home mtgs (19%), consumer loans (13%), other (68%)
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
Long Island City, NY
Hauppauge, NY
Rochester, NY
Briarcliff Manor, NY