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 Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 16.7 percent of nonperforming loans to core capital contributes to the Good asset quality (5.3).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.7 and a net worth ratio of 11.9. Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 1.0 has resulted in Excellent (8.5) profitability.
Asset Mix:
Consumer loans (39%), home mtgs (24%), comm loans (11%), other (26%)
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
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