Members Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.2 and a net worth ratio of 13.7. A current level of 3.3 percent of nonperforming loans to core capital combined with 3.5 percent from a year earlier contributes to the Excellent asset quality (8.9).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (8.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.1 has resulted in Excellent (7.4) profitability.
Asset Mix:
Consumer loans (41%), securities (30%), home mtgs (1%), other (29%)
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
2098 Frontis Plaza Boulevard
Winston-Salem, NC 27103
Winston-Salem, NC 27103
Phone Number
(336) 748-4800
NCUA Charter Number
Website
Largest Competitors
Winston-Salem, NC
Winston-Salem, NC
Winston-Salem, NC
Winston-Salem, NC
Winston-Salem, NC