Mid-Island Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.8 has resulted in Fair (3.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.7 on a scale of 0 to 10).
Other Rating Factors:
Excellent liquidity 7.5, driven by a liquidity ratio of 47.5 percent and a “hot money” ratio of 0.0 percent. A current level of 4.2 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (7.5).
Asset Mix:
Consumer loans (24%), other (76%)
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
366 Peters Rest
Christiansted, VI 00823
Christiansted, VI 00823
Phone Number
(340) 778-6297
NCUA Charter Number
Website
Largest Competitors
Charlotte Amalie, VI
Christiansted, VI
Frederiksted, VI
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