One Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.2 has resulted in Weak (2.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.9, driven by a liquidity ratio of 9.5 percent and a “hot money” ratio of 9.1 percent. Fair current capitalization (4.2 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 7.8.
Asset Mix:
Consumer loans (25%), home mtgs (22%), comm loans (11%), other (42%)
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
380 River Street
Springfield, VT 05156
Springfield, VT 05156
Phone Number
(802) 886-4228
NCUA Charter Number
Website
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