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 Weak overall stability index (3.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.6) profitability.
Other Rating Factors:
A current level of 19.2 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.3). Fair liquidity 4.6, driven by a liquidity ratio of 34.1 percent and a “hot money” ratio of 21.4 percent.
Asset Mix:
Home mtgs (28%), consumer loans (27%), other (45%)
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
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