ARIZE Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.2 has resulted in Fair (5.0) profitability. Fair current capitalization (3.9 on a scale of 0 to 10) based on a net capital to total assets of 6.2 and a net worth ratio of 7.8.
Other Rating Factors:
A current level of 21.3 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7). Fair liquidity 3.2, driven by a liquidity ratio of 15.4 percent and a “hot money” ratio of 16.7 percent.
Asset Mix:
Consumer loans (27%), comm loans (18%), home mtgs (14%), other (41%)
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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