Members 1st 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 (4.0 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 4.3, driven by a liquidity ratio of 31.5 percent and a “hot money” ratio of 20.6 percent. Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 0.0.
Asset Mix:
Consumer loans (32%), home mtgs (29%), 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
10 Browne Court
Brattleboro, VT 05301
Brattleboro, VT 05301
Phone Number
(802) 257-5131
NCUA Charter Number
Website
Largest Competitors
Williston, VT
South Burlington, VT
South Burlington, VT
Rutland, VT
Barre, VT