Service Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.8%, coupled with a return on assets of 1.2 has resulted in Excellent (7.6) profitability.
Other Rating Factors:
Excellent current capitalization (9.7 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.9. A current level of 2.9 percent of nonperforming loans to core capital combined with 2.3 percent from a year earlier contributes to the Excellent asset quality (9.1).
Asset Mix:
Consumer loans (40%), home mtgs (21%), other (39%)
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
3003 Lafayette Road
Portsmouth, NH 03801
Portsmouth, NH 03801
Phone Number
(603) 422-8300
NCUA Charter Number
Website
Largest Competitors
Portsmouth, NH
Manchester, NH
Nashua, NH
Manchester, NH
Manchester, NH