ARIZE Federal Credit Union
Major Rating Factors:
Fair current capitalization (4.0 on a scale of 0 to 10) based on a net capital to total assets of 6.3 and a net worth ratio of 8.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.5 has resulted in Good (5.3) profitability. Fair liquidity 3.2, driven by a liquidity ratio of 12.7 percent and a “hot money” ratio of 17.3 percent.
Asset Mix:
Consumer loans (25%), comm loans (18%), home mtgs (13%), other (43%)
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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