Affiliated Trades Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.5%, coupled with a return on assets of 0.5 has resulted in Weak (1.7) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.6 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (8.8 on a scale of 0 to 10) based on a net capital to total assets of 10.7 and a net worth ratio of 10.7. A current level of 9.3 percent of nonperforming loans to core capital combined with 4.7 percent from a year earlier contributes to the Good asset quality (6.4).
Asset Mix:
Securities (40%), consumer loans (15%), home mtgs (8%), other (37%)
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
3900 Ridge Pike
Collegeville, PA 19426
Collegeville, PA 19426
Phone Number
(610) 489-0161
NCUA Charter Number
Largest Competitors
Philadelphia, PA
Harrisburg, PA
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Exton, PA
Collegeville, PA