B
Treasury Department Federal Credit Union
Rating Date
July 2025
Net Capital
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Major Rating Factors: A current level of 5.1 percent of nonperforming loans to core capital combined with 4.5 percent from a year earlier contributes to the Excellent asset quality (8.0). Excellent current capitalization (7.6 on a scale of 0 to 10) based on a net capital to total assets of 9.9 and a net worth ratio of 0.0.
Other 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 (6.3 on a scale of 0 to 10). Fair liquidity 4.2, driven by a liquidity ratio of 27.4 percent and a “hot money” ratio of 4.0 percent.
Asset Mix: Home mtgs (30%), consumer loans (22%), securities (9%), 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
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Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Address
701 Madison Place, NW
Washington, DC 20011
Phone Number
(202) 289-1950
NCUA Charter Number
162