Members 1st Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.2 has resulted in Weak (2.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.7, driven by a liquidity ratio of 25.4 percent and a “hot money” ratio of 20.4 percent. A current level of 12.7 percent of nonperforming loans to core capital combined with 12.7 percent from a year earlier contributes to the Good asset quality (5.6).
Asset Mix:
Consumer loans (35%), home mtgs (30%), other (35%)
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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