ARIZE Federal Credit Union
Major Rating Factors:
Fair current capitalization (3.6 on a scale of 0 to 10) based on a net capital to total assets of 5.9 and a net worth ratio of 7.7. Operating profits as a percentage of assets at 0.9%, coupled with a return on assets of 0.3 has resulted in Fair (3.2) profitability.
Other Rating Factors:
Fair liquidity 3.6, driven by a liquidity ratio of 17.5 percent and a “hot money” ratio of 14.6 percent. A current level of 26.3 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.9).
Asset Mix:
Consumer loans (25%), comm loans (18%), home mtgs (13%), other (45%)
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
1145 Benner Pike
State College, PA 16801
State College, PA 16801
Phone Number
(814) 238-9619
NCUA Charter Number
Website
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